How Much are Insurance Quotes for a Toyota Corolla in Arizona?

Since we’re writing about auto insurance, the word affordable really should not be used anywhere in the article as a descriptor for auto insurance rates. Nonetheless, cheap car insurance for a Toyota Corolla is pretty hard to find. Don’t let that bother you, though, because we can show you some ways you can still find auto insurance that is easy on your budget.

Whether or not you can find cheaper insurance for a Toyota Corolla in Arizona relies on things like your age, if you have maintained coverage continuously, and your driving record. Arizona drivers pay an average rate of $850 annually for Corolla insurance, but that amount is an approximation that uses a 40-year-old married male that included full coverage including both comprehensive and collision and $250 deductibles.

There is a very good chance that you may not be 40 years old (or even male), possibly single instead of married, or you need different physical damage deductibles. Different coverage needs are the reason why the best method for finding the cheapest coverage for your Toyota is to comparison shop your policy at every renewal or at least every couple of years. It takes less than five minutes and you will get price quotes from the cheapest companies around.

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The trim level of your Toyota will likely have an effect on the annual cost of coverage, so the cost to insure a Corolla LE model will be $28 cheaper than the insurance cost for the more costly Corolla XRS version, as shown in the chart below.

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price estimates do not factor in garaging location in Arizona which can affect prices significantly.

Finding good, low-priced car insurance is not the easiest thing to accomplish, and figuring out which company offers the cheapest car insurance rates for a Toyota Corolla will involve a bit more work. Every insurance company uses their own method for setting prices, so let’s take a look at the car insurance companies with the overall best prices in Arizona.

Best Cheap Insurance Rates for Your Corolla

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The Hartford has some of the cheapest car insurance rates in Arizona at around $836 annually. Safeco, Auto-Owners, Travelers, and USAA are also some of the most economical Arizona insurance companies.

As depicted above, if you are insured with USAA and switched to Safeco, you may see an annual premium reduction of about $201. Arizona drivers with Progressive could save as much as $241 a year, and Ameriprise Group insureds might lower prices by up to $249 a year.

Remember that these estimates are averaged for all insureds and vehicles and do not factor in a specific rate value for a Toyota Corolla. So the insurer that can offer you the best price may not even be featured in the company chart above. That helps illustrate why you need to quote rates from as many companies as possible using your own individual information.

The information below highlights how deductible choice can increase or decrease insurance premiums when quoting cheap insurance for a Toyota Corolla. Data assumes a married female driver, comp and collision included, and no discounts are applied to the premium.

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In the chart above, a 50-year-old driver could cut expenses by $284 a year by increasing from a $100 deductible to a $500 deductible, or save $430 by switching to a $1,000 deductible. Even younger insureds, like the age 20 example, could save $708 or even more by selecting a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough savings to offset the extra out-of-pocket expense associated with higher deductibles.

Types of discounts on Arizona car insurance rates

Auto insurance companies that provide cheap insurance for a Toyota Corolla in Arizona may have policy discounts that can reduce rates by 30% or more if you are eligible. A list of companies and a summarized list of policyholder discounts can be found below.

• Progressive offers discounts including multi-vehicle, homeowner, online quote discount, online signing, multi-policy, good student, and continuous coverage.
• Farmers Insurance may have discounts that include alternative fuel, youthful driver, business and professional, teen driver, early shopping, homeowner, and bundle discounts.
• Farm Bureau offers premium reductions for renewal discount, good student, driver training, 55 and retired, and safe driver.
• State Farm may offer discounts for student away at school, anti-theft, safe vehicle, multiple policy, and Steer Clear safe driver discount.
• GEICO policyholders can earn discounts including air bags, federal employee, multi-vehicle, daytime running lights, seat belt use, driver training, and defensive driver.
• SAFECO discounts include drive less, teen safe driver, homeowner, accident prevention training, and teen safety rewards.
• Liberty Mutual includes discounts for new graduate, safety features, teen driver discount, exclusive group savings, and good student.

The information below illustrates the difference between auto insurance rates with and without discounts applied to the rates. The data is based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, defensive driving course, anti-theft, passive restraint, and accident-free discounts applied. When discounts are factored in, the the average yearly reduction on car insurance for a Toyota Corolla is 28% or $532.

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Best rates: State Farm, Progressive, Geico, or Allstate

When researching insurance for a Corolla in Arizona, four of the larger companies to compare rates for are State Farm, Progressive, Geico, and Allstate. If you put them all together, they insure almost 50% of the entire U.S. auto insurance market. Each one has different options that may influence your choice. The table below points out some of the ratings and options that are available for buyers.