How Much Does Insurance Cost for a Toyota Corolla in Missouri?
Your chances of buying the cheapest car insurance for a Toyota Corolla in Missouri is contingent on many factors like how you use your vehicle, if you have ever had a coverage lapse, and driving violations and tickets. Drivers pay around $600 per year to buy Toyota Corolla insurance, but that cost is a valuation that uses rate data for a 50-year-old married female driver that purchased full coverage and $500 physical damage deductibles.
If we were betting, you are not exactly 50 years old and possibly not even female, possibly single instead of married, or maybe you just want to insure for liability only. What seems to be a minor change in rating variables or coverage information could end up in a significant change in the price of coverage.
Having different needs demonstrates why the only way to find cheap insurance rates for your Toyota is to make a habit of regularly comparing rates from other companies. In just a couple of minutes you will be able to see rates from the best auto insurance companies available.
Compare Toyota Corolla Insurance Rates
The trim level of your Toyota will most likely have an effect on the annual cost of coverage, so the rate you pay to insure a Corolla LE model will cost $18 less than the insurance cost for the higher-end Corolla XRS version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corolla LE | $128 | $274 | $250 | $14 | $74 | $740 | $62 |
| Corolla S | $128 | $274 | $250 | $14 | $74 | $740 | $62 |
| Corolla XLE | $128 | $274 | $250 | $14 | $74 | $740 | $62 |
| Corolla XRS | $146 | $274 | $250 | $14 | $74 | $758 | $63 |
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in Missouri location which can change price quotes greatly.
Best car insurance company in Missouri
Finding the best insurance company is difficult considering how many different companies there are to choose from in Missouri. The company rank data below may help you analyze which car insurance providers you want to consider when comparing rate quotes.
The rankings below are only comprised of companies with a national presence, so companies that focus mainly on Missouri business are not factored into the list. To check prices from these top insurers and more, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
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Data Source: Insure.com Best Car Insurance Companies
Discounts on cheap insurance for a Toyota Corolla in Missouri
Insurers that offer coverage for a Toyota Corolla may also offer special discounts that could lower prices by 25% or more if you qualify for them. A few popular companies and the discounts they provide are included below.
| Discount | Progressive | Allstate | State Farm | Geico | Nationwide |
|---|---|---|---|---|---|
| Multi-policy | Yes | Yes | Yes | Yes | Yes |
| Multi-vehicle | Yes | No | Yes | Yes | Yes |
| Anti-theft | Yes | Yes | Yes | Yes | Yes |
| Safe vehicle | No | Yes | Yes | Yes | No |
| Passive restraint | No | Yes | Yes | Yes | Yes |
| Daytime running lights | No | No | Yes | Yes | No |
| Newer vehicle | No | Yes | Yes | No | Yes |
| Accident-free | Yes | Yes | Yes | Yes | Yes |
| Defensive driver | Yes | Yes | Yes | Yes | Yes |
| Military | Yes | No | Yes | Yes | No |
| Occupational | No | No | No | Yes | Yes |
| Pay in full | Yes | Yes | No | Yes | Yes |
| Auto-pay | Yes | Yes | No | Yes | Yes |
| Customer loyalty | Yes | No | Yes | No | Yes |
| Early signing | No | Yes | No | No | Yes |
| Good student | Yes | Yes | Yes | Yes | Yes |
| Student at college | Yes | Yes | Yes | No | Yes |
| Own your home | Yes | No | No | No | No |
| Use seat belts | No | No | No | Yes | No |
| Quote online | Yes | No | No | No | No |
| Teenage driver | Yes | No | No | No | No |
| Government employee | No | No | No | Yes | No |
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The diagram below illustrates the difference between insurance costs with and without policy discounts. The premiums are based on a male driver, no claims, a clean driving record, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with safe-driver, multiple vehicle, defensive driving course, vehicle safety, claim-free, and anti-theft discounts applied. When these discounts are applied, the the amount saved on car insurance for a Toyota Corolla is 34% or $646.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2715,1953],[‘Age 30’, 1403,1017],[‘Age 40’, 1387,1007],[‘Age 50’, 1267,919],[‘Age 60’, 1225,889],[‘Age 70’, 1503,1085]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Toyota Corolla’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Corolla’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}
How to get cheap insurance for a Toyota Corolla in Missouri
The list below summarizes a few thrifty solutions that can help Missouri drivers find more affordable coverage.
- Drive attentively and avoid accidents
- Drive vehicles with five-star safety ratings
- Buying home and auto together can help save money
- Be a cautious driver
- Try to not file small claims
- If your vehicles are older, consider dropping full coverage
- Comparison shop at least every other year
The last suggestion is extraordinarily valuable, as was noted in the prior information. Car insurance rates fluctuate constantly, so don’t be hesitant to buy from a new company if you find a cheaper price.
Many drivers tend to have loyalty to a certain company, but is isn’t recommended if it’s costing you money that could be spent on other things. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for a Toyota Corolla.
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