Finding competitive coverage for a Toyota Corolla in Missouri depends on lots of different factors such as your gender, your geographic location, and if you have a history of accidents. Missouri drivers pay on average $999 a year to insure their Corolla, but that cost is an estimation calculated using a 40-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 40 years old or even a female, possibly married instead of single, or maybe you want more liability coverage than is required by law in Missouri. Just a minor difference in rating factors or requested coverage amount could result in a significant change in the coverage rate.
This illustrates why the best method for finding the cheapest rates for your Toyota is to compare as many rates as you can.
The trim level of your Corolla will likely have an effect on the yearly cost, so the price to insure a Corolla LE will be $28 cheaper than the insurance cost for the fancier Corolla XRS version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corolla LE | $220 | $552 | $346 | $20 | $104 | $1,242 | $104 |
| Corolla S | $220 | $552 | $346 | $20 | $104 | $1,242 | $104 |
| Corolla XLE | $220 | $552 | $346 | $20 | $104 | $1,242 | $104 |
| Corolla XRS | $248 | $552 | $346 | $20 | $104 | $1,270 | $106 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific garaging location which can modify insurance rates significantly.
Finding reliable, cheap car insurance is not the easiest thing to do, and determining which companies offer the lowest-priced car insurance rates for a Toyota Corolla calls for even more rate comparisons.
Every car insurance company uses a different method to determine premium rates, so let’s begin by taking a look at the car insurance companies with the overall cheapest rates in Missouri.
Find the Cheapest Car Insurance for Your Corolla
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $668 |
| 2 | The Hartford | $817 |
| 3 | Electric | $849 |
| 4 | Allied | $849 |
| 5 | Auto-Owners | $997 |
| 6 | MO Farm Bureau | $1,021 |
| 7 | Travelers | $1,038 |
| 8 | Nationwide | $1,098 |
| 9 | Farmers | $1,151 |
| 10 | Cameron Mutual | $1,190 |
| 11 | State Farm | $1,271 |
| 12 | American Family | $1,291 |
| 13 | Safeco | $1,370 |
| 14 | Progressive | $1,382 |
| 15 | Safe Auto | $1,405 |
| 16 | GEICO | $1,406 |
| 17 | MetLife | $1,415 |
| 18 | Shelter | $1,419 |
| 19 | California Casualty | $1,439 |
| 20 | Encompass | $1,532 |
| Get a Custom Quote Go | ||
USAA may offer some of the best car insurance rates in Kansas City at around $668 a year. The Hartford, Electric, Allied, and Auto-Owners are also some of the more affordable Kansas City, MO car insurance companies.
In the rate table above, if you currently buy coverage from Allied and switched to USAA, you could see yearly savings of upwards of $181. Policyholders with Auto-Owners could save as much as $329 a year, and MO Farm Bureau policyholders might reduce prices by as much as $353 a year.
If you would like to find cheaper car insurance rates, click here to begin a quote or click through to the companies below.
Bear in mind that those premiums are averages across all types of drivers and the different vehicles they drive and and are not calculated with a vehicle location for a Toyota Corolla. So the insurer that fits your situation best may not even be in the top 23 companies in the list above. That is why you need to get rate quotes from many companies using your own driver and vehicle profiles.
Impact of speeding/accidents on Kansas City car insurance rates
A great way to find the best car insurance premiums in Missouri for a Corolla is to be a good driver and avoid tickets and accidents. The information below demonstrates how speeding tickets and accidents increase car insurance costs for each different age category. The data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
In the prior example, the average cost of car insurance per year with no violations or accidents is $1,848. Get written up for two speeding tickets and the average cost increases to $2,491, an increase of $643 each year. Next add two accidents along with the two speeding tickets and the annual cost of car insurance for a Toyota Corolla goes up to an average of $4,721. That’s an increase of $2,873, or $239 per month, just for being a careless driver!
Discounts on Kansas City insurance
Insurance companies that offer coverage for a Toyota Corolla may have discounts that can reduce rates by as much as 40% or more if you are eligible. A few popular companies and their possible discounts can be read below.
- Farm Bureau may offer discounts for multi-policy, driver training, 55 and retired, safe driver, youthful driver, and multi-vehicle.
- MetLife may include discounts for defensive driver, claim-free, good student, multi-policy, good driver, and accident-free.
- Progressive includes discounts for multi-vehicle, good student, homeowner, multi-policy, online quote discount, continuous coverage, and online signing.
- AAA offers discounts including education and occupation, AAA membership discount, anti-theft, multi-car, good student, and good driver.
- American Family has discounts for air bags, mySafetyValet, TimeAway discount, good student, and accident-free.
- GEICO offers discounts for daytime running lights, five-year accident-free, defensive driver, anti-lock brakes, and air bags.
- State Farm offers premium reductions for multiple policy, good student, multiple autos, defensive driving training, and Drive Safe & Save.
The information below illustrates the comparison of yearly insurance costs with and without discounts. The premiums are based on a female driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, anti-theft, multiple vehicle, accident-free, homeowner, and safe-driver discounts applied. When discounts are factored in, theaverage amount saved on car insurance for a Toyota Corolla is 28% or $467.
The professional agents shown below are willing to provide answers to your questions and help you determine which car insurance policy is best, as some drivers have questions and prefer to have a professional recommendation when trying to find lower insurance rates for a Toyota Corolla. It’s not always easy to find the best coverage yourself, so a professional agent can bring peace of mind knowing you have adequate protection in the event of a claim. To locate a Kansas City car insurance agency in your neighborhood, click the button following the list or click here to get price quotes now.
- Abbott Insurance Inc.
8117 N Oak Trafficway – Kansas City, MO 64118 – (816) 452-8810 - Shelter Insurance – John Goodwin
11125 Locust St – Kansas City, MO 64131 – (816) 363-5848 - Allstate Insurance: Kelly Benbow
221 E Gregory Blvd b – Kansas City, MO 64114 – (816) 333-3611
View more Kansas City, MO insurance agencies
How to find low-cost insurance for a Toyota Corolla
It is possible to find better rates, and here are some of the recommended money-saving suggestions that can help Kansas City drivers buy low-cost auto insurance.
- Improve your credit score
- Having too many claims will increase rates substantially
- Speeding tickets and other violations increase rates
- At-fault accidents can raise rates significantly
- Vehicles with safetly features generally cost less to insure
- Compare rates regularly to ensure the best deal
The last suggestion is especially valuable, as we stressed in the prior article. Coverage rates can change considerably based on profitability, so drivers shouldn’t be resistant to switch companies if you find a cheaper price. Many drivers have brand loyalty and that’s fine, but it’s not a great idea if that devotion results in you overpaying money that could be spent on other things. Take a few minutes and compare rates to find cheaper insurance for a Toyota Corolla in Kansas City.