Cheapest Insurance Quotes for a Toyota Corolla in Texas

Your odds of finding cheap auto insurance for a Toyota Corolla in Texas depends on an enormous amount of factors like your gender, whether or not you have prior claims, and if you have a clean driving record. Texas drivers pay an average of $1,060 each year to insure a Corolla, but that rate is using rate data for a 50-year-old married female who purchased both comprehensive and collision coverage and $100 physical damage deductibles.

There is a high likelihood that you are not 50 years old and maybe not even female, maybe you are single instead of married, or maybe you’ve had an at-fault accident or two. Even a minor change in price quote data can result in big changes in price quotes.

Each driver’s needs are different, and that demonstrates why the best way to quote the cheapest rates for your Toyota is to comparison shop your policy at each renewal.

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The trim level of your vehicle will most likely have an effect on the cost of coverage, so the rate you pay to insure a Corolla LE trim level will be $32 cheaper than the cost to insure the more well-appointed Corolla XRS version, as shown in the chart below.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price information does not factor in vehicle garaging location which can impact rates noticeably.

Buying cost effective car insurance is not most people’s favorite thing to do, and figuring out which companies quote the lowest-priced insurance rates for a Toyota Corolla will involve even more work. Each company has a unique formula to set premium rates, so let’s rank the insurance companies with the most affordable rates in Texas.

It’s important to understand that Texas insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay for coverage. Improving your credit score, buying a safer car, or having an at-fault accident can trigger changes in premium that can now make some companies way too expensive in comparison to the competition.

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Travelers has some of the lowest car insurance rates in Texas at around $1,021 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the most economical Texas car insurance companies.

As illustrated above, if you have coverage with Germania Mutual and switched to Travelers, you might see an annual premium reduction of in the vicinity of $235. Texas drivers with Esurance could save as much as $358 a year, and California Casualty insureds might lower prices by $375 a year.

To find out how your current rates compare, click here to begin a quote or feel free to get quotes from the companies below.

Bear in mind that those estimates are averaged for all drivers and vehicles in Texas and and are not calculated with a specific rate factor for a Toyota Corolla. So the auto insurance company that fits your situation best may not even be included in the list above. That point stresses why you need to compare rates from multiple companies using your own driver and vehicle profiles.

The diagram below highlights how deductible choice can raise or lower insurance costs when trying to find cheap insurance for a Toyota Corolla. The price estimates are based on a married female driver, full coverage, and no policy discounts are applied.

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A 40-year-old driver could cut expenses by $352 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $528 by switching to a $1,000 deductible. Younger drivers, such as the Age 20 example, could potentially save $870 each year by choosing larger deductibles on their policy.

If you make the decision to raise deductibles, it is necessary to have enough in a savings account to satisfy the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Which major car insurance company is best?

When researching insurance for a Corolla in Texas, the companies that insure more vehicles than anyone else are Progressive, Allstate, State Farm, and Geico. The following table ranks some of the different options that you can purchase from each one.

How to find the cheapest insurance for a Toyota Corolla in Texas

Below you’ll find a few thrifty suggestions that can help Texas drivers quote lower-cost auto insurance.

• Save money by obeying traffic laws and keeping a clean driving record
• Pay lower rates with good credit
• Prevent price hikes by avoiding at-fault accidents
• Vehicles with safetly features generally cost less to insure
• Full coverage is expensive so only insure older vehicles for liability only
• Raise deductibles
• Compare rates once a year for cheaper prices

That last tip is extraordinarily valuable, as we stressed in this piece. Car insurance prices can be adjusted at any time, so you should be ready to switch carriers if you find a cheaper price. Many drivers prefer to stick with one company, but it’s not recommended if that loyalty ends up costing money that could be used for better things. Take a couple minutes and compare rates to find cheaper car insurance for a Toyota Corolla.