Who Has Cheap Milwaukee Car Insurance for a Toyota Corolla?

Finding the cheapest coverage for a Toyota Corolla is normally pretty easy, but it relies on a lot of things such as whether you are married or single, where your vehicle is garaged, and driving violations. Drivers pay around $850 each year for Corolla insurance, but that amount is an approximation calculated based on a 40-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.

But there is a good chance that you aren’t exactly 40 years old or even a male, you might be married instead of single, and maybe you want different deductibles. Even a slight difference in rating variables could end up with a large change in how much insurance for a Toyota Corolla costs.

Different coverage needs are the reason why the way we recommend to find the cheapest rates for your Toyota is to put in the effort to do a thorough rate comparison. It takes less than five minutes and you will be able to see rates from some of the best insurers that offer coverage in Wisconsin.

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The trim level of your vehicle has an effect on the coverage cost, so the cost to insure a Corolla LE trim level will be $24 lower than the cost to insure the more well-appointed Corolla XRS trim level, as shown below.

Toyota Corolla Insurance Rates in Milwaukee, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $194 $484 $278 $16 $84 $1,056 $88
Corolla S $194 $484 $278 $16 $84 $1,056 $88
Corolla XLE $194 $484 $278 $16 $84 $1,056 $88
Corolla XRS $218 $484 $278 $16 $84 $1,080 $90
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium costs do not factor in specific zip code location which can modify premiums significantly.

Figuring out which companies have the cheapest insurance rates for a Toyota Corolla will require a bit more effort than just picking a company at random. Each insurance company uses a little different formula for determining prices, so let’s take a look at the insurance companies with the overall best prices in Milwaukee.

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Who has the cheapest car insurance in Wisconsin?
Rank Company Cost Per Year
1 USAA $604
2 Partners Mutual $626
3 Erie $703
4 Rockford Mutual $746
5 Rural Mutual Insurance $756
6 Pekin Insurance $768
7 Nationwide $775
8 Western National $777
9 Integrity Mutual $786
10 Travelers $796
11 West Bend Mutual $890
12 State Farm $923
13 General Casualty $926
14 The Hartford $950
15 Auto Club Group $977
16 Progressive $1,118
17 American Family $1,125
18 Auto-Owners $1,126
19 Farmers $1,130
20 GEICO $1,202
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USAA may have some of the cheapest car insurance rates in Milwaukee at around $604 a year. This is $557 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance also rank well as some of the cheapest Milwaukee, WI insurance companies.

As the rates illustrate above, if you are insured with Partners Mutual and switched to USAA, you could realize an annual savings of about $22. Wisconsin drivers with Erie could save as much as $99 a year, and Rockford Mutual policyholders might cut rates by $142 a year.

Understand that those estimates are averages across all drivers and vehicles and and are not figured with a specific location for a Toyota Corolla. So the insurer that is most affordable for your situation may not even be in the list above. That’s why you need to get rate quotes from many companies using your own individual information.

How to get discounts on Milwaukee insurance rates

Insurance for a Corolla in Milwaukee, WICar insurance companies that offer quotes for a Toyota Corolla may provide price discounts that may potentially lower prices by as much as 40% or more if you are eligible. A list of companies and the discounts they provide are shown below.

The information below illustrates the comparison of premium costs with and without discounts applied. The prices are based on a female driver, no violations or accidents, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, multiple policy, defensive driving course, claim-free, marriage, and accident-free discounts applied. When discounts are factored in, theaverage amount saved on insurance for a Toyota Corolla is 28% or $441.

Insurance rate increases from tickets or accidents

The ideal way to obtain cheap insurance rates in Milwaukee for a Corolla is to be a careful driver and not get tickets or have accidents. The diagram below highlights how speeding tickets and fender-benders can raise auto insurance costs for different ages of insureds. The costs are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are applied.

In the previous chart, the average cost of an auto insurance policy in Wisconsin per year with no accidents and a clean driving record is $1,313. Get two speeding tickets and the average cost jumps to $1,815, an increase of $502 each year. Next add two accidents along with the two speeding tickets and the annual cost of insurance for a Toyota Corolla goes up to an average of $3,618. That’s an increase of $2,304, or $192 per month, just for not being a responsible driver!

If you would rather have professional advice when buying car insurance for a Toyota Corolla, the professional agents shown below can probably provide answers to your questions and help you determine which car insurance company is the best fit.

To find an agent near you, click the button link following the list or click here to compare prices now.

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How to find low-cost car insurance for a Toyota Corolla

Here are a few penny-pinching suggestions that can help you quote lower-cost car insurance.

That final tip is extremely significant, as we discussed in this write-up. Prices charged by car insurance companies can be modified anytime, so drivers shouldn’t hesitate to switch carriers if you can save money.

Being loyal to a particular company is commendable, but we do not recommend it if that dedication is costing a small fortune. If you have a few minutes, now is a great time to shop around and find cheaper insurance for a Toyota Corolla in Milwaukee.