1. Vehicles
  2. Toyota
  3. Corolla
  4. XRS

Toyota Corolla XRS Insurance Rates

The average insurance rates for a Toyota Corolla XRS are $1,380 a year with full coverage. Comprehensive insurance costs on average $310, collision insurance costs $572, and liability insurance costs around $346. A liability-only policy costs as low as $410 a year, and high-risk insurance costs $2,980 or more. Teenage drivers cost the most to insure at up to $5,050 a year.

Annual premium for full coverage: $1,380

Policy rates by type of coverage:

Comprehensive $310
Collision $572
Liability $346

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Corolla Trim Level

For the average driver, Toyota Corolla XRS insurance rates range from as low as $410 for minimum levels of liability insurance to the much higher price of $2,980 for a driver that may need high-risk insurance.

Liability Only $410
Full Coverage $1,380
High Risk $2,980

These price differences demonstrate why everyone should compare prices based on a specific location and risk profile, rather than relying on average rates.

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Car insurance rates for a Toyota Corolla XRS also range considerably based on your risk profile, the actual cash value of your Corolla, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,000 a year. View Rates by Age

Your home state has a huge impact on Toyota Corolla XRS insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,620 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $590 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $312 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. Toyota Corolla XRS insurance for high-risk drivers can be anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

View Chart as Image

Toyota Corolla XRS insurance cost comparison chart
Column chart showing Toyota Corolla XRS insurance prices range from $791 to $5,050 for full coverage

The chart above shows Toyota Corolla XRS insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $791. Drivers who use higher $1,000 deductibles will pay around $1,180. The average rate for a 40-year-old male driver using $500 deductibles is $1,380. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $1,770. Drivers with multiple violations and accidents could be charged around $2,980. The rate for full coverage for a teen driver can be as high as $5,050.

Toyota Corolla XRS Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,324-$56-4.1%
Alaska$1,132-$248-18.0%
Arizona$1,384$40.3%
Arkansas$1,396$161.2%
California$1,548$16812.2%
Colorado$1,432$523.8%
Connecticut$1,804$42430.7%
Delaware$1,678$29821.6%
Florida$1,860$48034.8%
Georgia$1,368-$12-0.9%
Hawaii$1,488$1087.8%
Idaho$958-$422-30.6%
Illinois$1,024-$356-25.8%
Indiana$982-$398-28.8%
Iowa$1,038-$342-24.8%
Kansas$1,268-$112-8.1%
Kentucky$1,786$40629.4%
Louisiana$2,234$85461.9%
Maine$944-$436-31.6%
Maryland$1,420$402.9%
Massachusetts$1,214-$166-12.0%
Michigan$2,536$1,15683.8%
Minnesota$1,212-$168-12.2%
Mississippi$1,350-$30-2.2%
Missouri$1,176-$204-14.8%
Montana$1,248-$132-9.6%
Nebraska$1,136-$244-17.7%
Nevada$1,780$40029.0%
New Hampshire$1,124-$256-18.6%
New Jersey$1,372-$8-0.6%
New Mexico$1,280-$100-7.2%
New York$1,796$41630.1%
North Carolina$980-$400-29.0%
North Dakota$1,342-$38-2.8%
Ohio$972-$408-29.6%
Oklahoma$1,676$29621.4%
Oregon$1,292-$88-6.4%
Pennsylvania$1,554$17412.6%
Rhode Island$1,674$29421.3%
South Carolina$1,286-$94-6.8%
South Dakota$1,082-$298-21.6%
Tennessee$1,238-$142-10.3%
Texas$1,326-$54-3.9%
Utah$1,222-$158-11.4%
Vermont$982-$398-28.8%
Virginia$992-$388-28.1%
Washington$1,214-$166-12.0%
West Virginia$1,406$261.9%
Wisconsin$1,406$261.9%
Wyoming$1,524$14410.4%

View Chart as Image

Toyota Corolla XRS insurance rates by U.S. city

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Rates by Driver Age

Toyota Corolla XRS Insurance Rates by Driver Age
Driver AgePremium
16$5,050
20$3,186
30$1,444
40$1,380
50$1,258
60$1,236

Full coverage, $500 deductibles

Rates by Deductible

Toyota Corolla XRS Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,770
$250$1,590
$500$1,380
$1,000$1,180

Full coverage, driver age 40

Rates by Liability Limit

Toyota Corolla XRS Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,380
50/100$1,449
100/300$1,536
250/500$1,761
100 CSL$1,484
300 CSL$1,674
500 CSL$1,813

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Corolla XRS Insurance Rates for High Risk Drivers
AgePremium
16$7,220
20$5,056
30$3,054
40$2,980
50$2,842
60$2,814

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $192

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$74
Multi-vehicle$71
Homeowner$19
5-yr Accident Free$104
5-yr Claim Free$89
Paid in Full/EFT$65
Advance Quote$69
Online Quote$98
Total Discounts$589
Rate after discounts $791

Discounts are estimated and may not be available from every company or in every state.

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