Cheapest Insurance Quotes for a Toyota Corolla in Pennsylvania

Cheapest Insurance Quotes for a Toyota Corolla in Pennsylvania

Finding cheap auto insurance for a Toyota Corolla in Pennsylvania relies on many factors like the safety rating of your vehicle, whether or not you garage your vehicle, and if you have tickets or violations. Drivers in Pennsylvania will pay on average $1,080 a year for Corolla insurance, but that figure is an estimate based on rates for a 50-year-old single female driver that includes comprehensive and collision coverage and $100 policy deductibles.

But there is a high likelihood that you are not exactly 50 years old and possibly not even female, maybe you are married instead of single, or maybe you prefer to not insure for full coverage. There is no one cookie-cutter policy that works for everyone, so the most reliable method for finding cheap auto insurance rates for your Toyota is to shop your policy around every couple of years.

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Your vehicle’s trim level tends to have a direct effect on the yearly cost, so the rate you will pay to insure a Corolla LE will be $30 lower than the cost to insure the more well-appointed Corolla XRS version, as demonstrated by the prices below.

Toyota Corolla Insurance Rates in Pennsylvania
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $244 $590 $372 $22 $112 $1,340 $112
Corolla S $244 $590 $372 $22 $112 $1,340 $112
Corolla XLE $244 $590 $372 $22 $112 $1,340 $112
Corolla XRS $274 $590 $372 $22 $112 $1,370 $114
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium costs do not factor in your specific Pennsylvania location which can alter coverage rates substantially.

Finding reliable, low-cost auto insurance is easier said than done, and finding out which company quotes the best auto insurance rates for a Toyota Corolla may require even more rate comparisons. Each insurance company has their own guidelines for determining rates, so we need to take a look at the auto insurance companies that tend to be cheaper in Pennsylvania.

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Cheapest insurance companies in Pennsylvania
Rank Company Cost Per Year
1 General Casualty $748
2 Travelers $787
3 USAA $793
4 Erie $824
5 Penn National $840
6 Auto-Owners $1,003
7 Amica $1,012
8 Atlantic States $1,016
9 Donegal Mutual $1,091
10 GEICO $1,157
11 Allied $1,179
12 California Casualty $1,186
13 State Farm $1,210
14 State Auto $1,279
15 Encompass $1,344
16 Mutual Benefit Group $1,411
17 Harleysville $1,438
18 Progressive $1,457
19 Nationwide $1,491
20 Chubb $1,598
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General Casualty generally has some of the cheapest car insurance rates in Pennsylvania at around $748 annually. Travelers, USAA, Erie, and Penn National also make the cut as some of the best Pennsylvania car insurance companies.

As shown above, if you are a policyholder with Travelers and switched to General Casualty, you might realize yearly savings of about $39. Pennsylvania drivers with USAA might save as much as $45 a year, and Erie insureds might see rate reductions of $76 a year.

These premiums are averages for all ages of drivers and types of vehicles and do not take into consideration a specific rating modification for a Toyota Corolla. So the insurer that has the lowest price for you may not even be featured in the chart above. That helps illustrate why you need to get quotes using your own personal information and vehicle type.

Full coverage versus liability only rates

Finding the cheapest insurance for a Toyota Corolla in Pennsylvania is important to the majority of drivers, and one common way to find cheap insurance is to only pay for liability coverage. The chart below shows the comparison of auto insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The premium estimates are based on no claims or violations, $500 deductibles, drivers are single, and no policy discounts are applied.

As an average, full coverage costs $1,952 per year over liability only. That brings up the question when is the right time to remove full coverage. There is no set guideline to drop physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

There are some situations where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Company comparison: Progressive vs Allstate vs Geico vs State Farm

When buying insurance for a Corolla in Pennsylvania, four companies to take a look at are Progressive, Allstate, Geico, and State Farm. Between them, they insure over 48% of all car insurance policies written. The next table breaks down price and claims rank as well as some different options .

Comparison of Progressive, Allstate, Geico, and State Farm
Progressive Allstate Geico State Farm
Customer Satisfaction 3rd 2nd 1st 4th
Price Ranking 3rd 4th 1st 2nd
Handling of Claims 4th 1st 3rd 2nd
Discounts Available 4th 1st 2nd 3rd
Customers who recommend 88% 86% 87% 88%
A.M. Best financial rating A+ A+ A++ A++
Emergency roadside service Yes Yes Yes Yes
New car replacement coverage No Yes No No
Rideshare insurance Yes Yes Yes Yes
Rating based on usage Yes Yes No Yes
Mechnical breakdown Yes No Yes No
Accident forgiveness Yes Yes Yes No
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