Cheapest Insurance Quotes for a Toyota Corolla in Washington

The chances of buying the best cheap car insurance for a Toyota Corolla in Washington depends upon a complex rating formula that takes into consideration things like the number of years you have been licensed, if you have ever had a gap in coverage, and if you have tickets or violations. Drivers pay around $830 each year to buy insurance for a Toyota Corolla, but that figure is a projection calculated based on a 40-year-old married male that wants both comprehensive and collision coverage and $250 deductibles.

It’s highly likely you are not 40 and possibly not even male, single instead of married, or you need different deductibles. Auto insurance is unique to every driver, so the way we recommend to find the cheapest insurance price for your Toyota is to compare as many rates as possible. Rate quotes are easy and you will receive prices from some of the most affordable companies around.

Insure Your Toyota for Less

The trim level of your Corolla will most likely have an effect on the cost of coverage, so the price you pay to insure a Corolla LE will be $26 lower than the insurance cost for the higher-end Corolla XRS version, as shown in the table below.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price information does not factor in specific garaging location which can affect insurance rates significantly.

Picking the best car insurance provider can be difficult considering how many choices drivers have in Washington. The ranking information in the next section may help you choose which insurers you want to consider when trying to find the cheapest insurance for a Toyota Corolla.

These rankings are only comprised of large nationwide companies, so companies that may only write in Washington are not included in these rankings. To get rate quotes from the insurers below and more, click this link.

Top 10 Large Auto Insurance Providers in Washington Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. The General
5. Progressive
6. Allstate
7. AAA Insurance
8. American Family
9. Nationwide
10. Liberty Mutual

Top 10 Large Auto Insurance Providers in Washington Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. Allstate – 88%
9. 21st Century – 88%
10. The General – 88%

Top Companies for Toyota Corolla Insurance in Washington

Should you buy full coverage?

Finding the cheapest insurance for a Toyota Corolla in Washington is the goal of most vehicle owners, and one of the fastest ways to pay less for insurance is to only pay for liability coverage. The diagram below shows the difference between premium costs with full coverage and liability only. The premiums assume no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are factored in.

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If all age groups are averaged, comp and collision coverage costs an additional $1,967 per year more than just insuring for liability. That is a big expense that brings up the question if buying full coverage is worth the money. There isn’t a written rule to exclude physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

The diagram below illustrates how your deductible choice can affect insurance costs when trying to find cheap insurance for a Toyota Corolla. The costs are based on a married female driver, full physical damage coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2369,2159,1921,1697],[‘Age 30’, 1663,1511,1337,1171],[‘Age 40’, 1643,1495,1327,1167],[‘Age 50’, 1439,1311,1167,1029],[‘Age 60’, 1371,1247,1109,979],[‘Age 70’, 1481,1347,1203,1065]]);var options = {title: ‘Effect of Higher Deductibles on Toyota Corolla Insurance Rates in Washington’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Corolla’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 50-year-old driver could save $272 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $410 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could potentially save $672 annually by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it is a good idea to have emergency funds available to be able to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

State Farm, Allstate, Geico, or Progressive: Which is best?

When it comes to buying insurance for a Corolla in Washington, four of the best places to start are State Farm, Allstate, Geico, and Progressive. Between them, they make up nearly half of the car insurance market in the United States. The next table shows some of the different options you can expect with each one.