The vehicle model requiring insurance is a significant factor when comparing quotes for the most economical car insurance for a Toyota Corolla. Vehicles with average performance, an excellent safety record, or a positive history of liability claims will cost less to insure than high performance models.
The data below shows car insurance rates for the most budget-friendly automobiles to insure in California.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $803 |
| Honda CR-V EX 4WD | $821 |
| Ford Explorer XLT AWD | $899 |
| Toyota RAV4 Sport 2WD | $948 |
| Ford Escape XLT 2WD | $984 |
| Toyota Camry SE | $998 |
| Ford Edge Sport 2WD | $1,007 |
| Honda Odyssey EX-L W/Navigation | $998 |
| Ford Fusion SE 4-Dr Sedan | $1,017 |
| Chevrolet Silverado LTZ Extended Cab 4WD | $1,024 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,017 |
| Dodge Ram Crew Cab ST 4WD | $1,037 |
| Hyundai Elantra SE Touring Station Wagon | $1,070 |
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium amounts do not factor in zip code location which can raise or lower premiums considerably.
Based upon the table data, you can see that models like the Honda Accord, Honda CR-V, Ford Explorer, Toyota RAV4, and Ford Escape are going to be the cheapest vehicles to insure for a Corolla.
Figuring out which companies offer the most affordable car insurance rates for a Toyota Corolla calls for more time than just comparing rates from one or two companies. Every car insurance company has a proprietary method for setting rates, so let’s take a look at the lowest cost car insurance companies in San Diego.
It’s important that readers know that San Diego, CA car insurance rates are influenced by many factors which can significantly increase or decrease the price you pay. Getting older, buying a new vehicle, or getting a couple of tickets can trigger changes in premium that can make some companies more affordable than competitors.
Find the Cheapest Auto Insurance for Your Corolla
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,491 |
| 8 | Allstate | $1,513 |
| 9 | GEICO | $1,529 |
| 10 | Mercury | $1,533 |
| 11 | Allied | $1,541 |
| 12 | Progressive | $1,542 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,590 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,733 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
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USAA generally has some of the lowest car insurance rates in San Diego at around $1,121 a year. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the lowest-priced San Diego, CA auto insurance companies.
In this example, if you currently have a policy with CSAA and switched to Wawanesa, you might realize an annual premium reduction of around $65. Customers with Nationwide could save as much as $69 a year, and 21st Century policyholders might reduce prices by as much as $181 a year.
Be aware that those policy prices are averages for all ages of drivers and types of vehicles and and are not calculated with an exact vehicle garaging location for a Toyota Corolla. So the company that can offer you the best rate may not even be in the list above. That illustrates why you need to get rate quotes using your own personal information and vehicle type.
Impact of citations and accidents on insurance rates
In a perfect world, the ideal way to enjoy cheap car insurance premiums for a Corolla is to be a good driver and avoid at-fault accidents and violations. The information below demonstrates how traffic citations and accident claims can drive up yearly insurance costs for each different age category. The premium estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of auto insurance in California per year with no violations or accidents is $2,314. Add in two speeding tickets and the average cost increases to $3,067, an increase of $754 each year. Now add in two accidents along with the two speeding tickets and the annual cost of car insurance for a Toyota Corolla increases to an average of $5,841. That’s an increase of $3,528, or $294 per month, just for not maintaining a clean driving record!
Buying coverage from a high-quality car insurance provider can be rather challenging considering how many different insurance companies sell coverage in San Diego. The ranking data shown next can help you decide which coverage providers you want to consider comparing price quotes from. The ratings below include the largest companies in the United States, so companies without a large exposure will not be included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Get discount San Diego auto insurance
Insurance providers that offer coverage for a Toyota Corolla may also offer discounts that could potentially reduce rates by as much as 35% if you meet specific criteria. Companies and some of the discounts include:
- American Family may offer discounts for Steer into Savings, TimeAway discount, good driver, early bird, defensive driver, air bags, and good student.
- State Farm discounts include good driver, passive restraint, safe vehicle, defensive driving training, and good student.
- 21st Century includes discounts for anti-lock brakes, student driver, driver training, theft prevention, air bags, automatic seat belts, and early bird.
- Travelers offers discounts including new car, payment discounts, home ownership, good student, early quote, and continuous insurance.
- GEICO offers premium reductions for multi-policy, federal employee, air bags, anti-lock brakes, and good student.
The illustration below shows the difference between car insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, vehicle safety, homeowner, passive restraint, claim-free, and anti-theft discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance for a Toyota Corolla is 28% or $608.
Why are you paying too much for San Diego car insurance?
California car insurance rates are calculated based on many things that will increase or decrease the cost of a policy. Simply having a birthday, getting married, or getting a DUI may prompt premium changes resulting in some rates now being more affordable than before.
Additionally, companies file new California auto insurance rates at least once a year to adjust for gains or losses. Heavier than normal losses may cause additional price hikes, while profitable underwriting may result in cheaper San Diego car insurance rates.
For instance, the bar chart below shows the company with the cheapest car insurance in San Diego, CA for a 40-year-old male driver with no accidents or violations, and solid credit. Based on his current risk profile, USAA might offer the lowest car insurance rates in San Diego at $1,139 each year. This is $512 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the cheapest San Diego, CA auto insurance companies.
In this next rate comparison, we will give the driver in the first example a chargeable accident, bad credit, and a stop sign violation. Because each insurer has a different process to set policy rates, comparing prices most likely will result in a different list of affordable San Diego car insurance companies as shown below.
Grange now has the cheapest car insurance in San Diego with Progressive, Mercury, Allstate, and GEICO also being competitive. This example demonstrates why California drivers need to shop around with many companies when trying to find affordable auto insurance rates for a Toyota Corolla.
Auto insurance prices can be determined by many different factors and change frequently, so the best company three years ago may now cost much more than other companies.