Who Has Cheap Car Insurance for a Toyota Corolla in Stockton?

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Toyota Corolla insurance cost
Toyota Corolla insurance cost image courtesy of QuoteInspector.com

Finding cheaper insurance for a Toyota Corolla is pretty easy for most people to do, but it relies on many rating criteria such as whether you own a home, what you do for a living, and driving violations and tickets. Drivers in California pay approximately $1,256 a year for Corolla insurance, but that is a valuation based on a 50-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.

It's highly likely you're not a 50-year-old male, you might be single instead of married, or maybe you want different physical damage deductibles. Not everyone needs the same coverages, so the only way to find cheap auto insurance rates for your Toyota is to just compare rates yourself.

Compare Toyota Corolla Insurance Rates

The trim level of your Corolla tends to have a direct effect on the yearly cost, so the cost to insure a Corolla LE model will cost $38 less than the cost to insure the higher-priced Corolla XRS model, as shown by the rates below.

Toyota Corolla Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $296 $688 $424 $26 $126 $1,560 $130
Corolla S $296 $688 $424 $26 $126 $1,560 $130
Corolla XLE $296 $688 $424 $26 $126 $1,560 $130
Corolla XRS $334 $688 $424 $26 $126 $1,598 $133
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rates do not factor in specific location which can modify insurance rates greatly.

Buying coverage from the right auto insurance company is difficult considering how many different companies sell coverage in California. The rank data shown next can help you choose which providers you want to consider when shopping your coverage around. These rankings are only comprised of companies that write coverage in many states, so companies that only write business in California or surrounding areas are not included in the list.

Top 10 Large Car Insurance Companies in Stockton Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Top 10 Large Car Insurance Companies in Stockton Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA of Southern California - 92%
  4. AAA Insurance - 91%
  5. Nationwide - 90%
  6. State Farm - 90%
  7. The Hartford - 89%
  8. GEICO - 89%
  9. The General - 88%
  10. 21st Century - 88%

Impact of citations and accidents on insurance rates

In a perfect world, the ideal way to score the best auto insurance prices in Stockton for a Corolla is to drive attentively and avoid accidents and keep your driving record clean. The chart below demonstrates how traffic citations and accident claims can impact auto insurance costs for different age categories. The costs are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

The chart shows that the average cost of auto insurance in California per year with a clean driving record and no accidents is $2,199. Get two speeding tickets and the average cost rises to $2,936, an increase of $737 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Toyota Corolla jumps again to an average of $5,945. That's an increase of $3,746, or $312 per month, just for being a less-than-perfect driver!

Can you find cheaper Corolla insurance?

California auto insurance rates are impacted by many factors that control the price of your policy. Simply improving your credit, becoming a homeowner, or having a fender bender can trigger price changes that can make some companies much cheaper than others. Not only may your risk profile change, but companies change rates at least once a year to adjust for unexpected claims or profits. Significantly higher claims may cause additional price hikes, while a lower level of claims can cause cheaper Corolla insurance rates.

The chart below shows which company has the cheapest car insurance in Stockton, CA for a 30-year-old male driver with a clear driving record, no claims, and good financial standing. When quoting prices based on his personal profile, Wawanesa quotes the cheapest car insurance rates in Stockton at $1,395 annually. This is $256 less than the average policy premium paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are the remaining most affordable Stockton, CA auto insurance companies.

In this next rate comparison, we will give the driver from above an accident claim, less-than-perfect credit, and a traffic citation. Because each insurer has their own process for filing rates in each state, analyzing rate quotes could result in a different ranking of the cheapest companies as shown below.

Mercury now has the lowest car insurance rate in Stockton, CA with Grange, Allstate, Allied, and Progressive also having competitive pricing. This example illustrates why it is crucial to perform a complete rate comparison when trying to get affordable car insurance rates for a Toyota Corolla.

Insurance prices are calculated by many factors and can increase or decrease at any time, so the best company a year ago may now be quite expensive.