Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Toyota Corolla Cross are $1,204 a year for full coverage. Comprehensive insurance costs on average $248, collision costs $466, and liability is estimated at $354. A policy with just liability insurance costs approximately $406 a year, with coverage for high-risk drivers costing $2,608 or more. Teenage drivers receive the highest rates at $4,500 a year or more.

Average premium for full coverage: $1,204

Rate estimates by individual coverage type:

Comprehensive $248
Collision $466
Liability $354

Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Corolla Cross trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $406 for just liability coverage to a much higher rate of $2,608 for a driver who requires high-risk insurance.

Liability Only $406
Full Coverage $1,204
High Risk $2,608

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $903
Small Cities $1,264
Large Cities $1,625

These examples show why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of using average rates.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below shows estimated Toyota Corolla Cross insurance rates for different risk profiles and scenarios.

  • The best discount rate is $692
  • Choosing higher $1,000 deductibles can save around $162 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,204
  • Using more expensive low deductibles for comp and collision coverage will cost an extra $316 every year
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $2,608 or more
  • The cost for full coverage for a teen driver with full coverage may cost $4,500 each year

View Chart as Image

Toyota Corolla Cross insurance cost comparison chart
Column chart showing full coverage Toyota Corolla Cross insurance prices range from $692 to $4,500

Insurance rates for a Toyota Corolla Cross can also vary considerably based on your driver profile, the trim level of your Corolla Cross, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Corolla Cross insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,720 on average in Michigan, Louisiana, and New York.

Toyota Corolla Cross Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$118 -9.8%
Alaska $922 -$282 -23.4%
Arizona $998 -$206 -17.1%
Arkansas $1,204 -$0 0.0%
California $1,370 $166 13.8%
Colorado $1,146 -$58 -4.8%
Connecticut $1,234 $30 2.5%
Delaware $1,358 $154 12.8%
Florida $1,502 $298 24.8%
Georgia $1,110 -$94 -7.8%
Hawaii $864 -$340 -28.2%
Idaho $816 -$388 -32.2%
Illinois $896 -$308 -25.6%
Indiana $906 -$298 -24.8%
Iowa $810 -$394 -32.7%
Kansas $1,142 -$62 -5.1%
Kentucky $1,640 $436 36.2%
Louisiana $1,782 $578 48.0%
Maine $742 -$462 -38.4%
Maryland $992 -$212 -17.6%
Massachusetts $958 -$246 -20.4%
Michigan $2,086 $882 73.3%
Minnesota $1,008 -$196 -16.3%
Mississippi $1,440 $236 19.6%
Missouri $1,068 -$136 -11.3%
Montana $1,290 $86 7.1%
Nebraska $946 -$258 -21.4%
Nevada $1,442 $238 19.8%
New Hampshire $866 -$338 -28.1%
New Jersey $1,344 $140 11.6%
New Mexico $1,064 -$140 -11.6%
New York $1,264 $60 5.0%
North Carolina $692 -$512 -42.5%
North Dakota $986 -$218 -18.1%
Ohio $830 -$374 -31.1%
Oklahoma $1,232 $28 2.3%
Oregon $1,102 -$102 -8.5%
Pennsylvania $1,146 -$58 -4.8%
Rhode Island $1,602 $398 33.1%
South Carolina $1,090 -$114 -9.5%
South Dakota $1,014 -$190 -15.8%
Tennessee $1,052 -$152 -12.6%
Texas $1,448 $244 20.3%
Utah $890 -$314 -26.1%
Vermont $822 -$382 -31.7%
Virginia $720 -$484 -40.2%
Washington $930 -$274 -22.8%
West Virginia $1,102 -$102 -8.5%
Wisconsin $830 -$374 -31.1%
Wyoming $1,068 -$136 -11.3%

View Chart as Image

Toyota Corolla Cross insurance rates by U.S. city

Using high physical damage deductibles can save as much as $480 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance ranges as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates can be significantly different from one company to the next.

Toyota Corolla Cross Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Corolla Cross $256 $478 $338 $1,208
2023 Toyota Corolla Cross $248 $466 $354 $1,204
2022 Toyota Corolla Cross $240 $446 $364 $1,186

Rates are averaged for all Toyota Corolla Cross models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Toyota Corolla Cross Insurance

Saving money on car insurance takes not taking risks behind the wheel, having a good credit history, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following is a quick rundown of the concepts that were covered above.

  • Higher risk drivers with reckless driving or DUI convictions will pay on average $1,400 more each year for Corolla Cross insurance
  • Teens pay higher rates, costing as high as $375 per month including comprehensive and collision insurance
  • Drivers can save as much as $150 per year simply by shopping early and online
  • Increasing deductibles can save around $475 each year
  • Drivers can save as much as $150 per year simply by shopping early and online

Rates by Driver Age

Toyota Corolla Cross Insurance Rates by Driver Age
Driver Age Premium
16 $4,500
20 $2,784
30 $1,254
40 $1,204
50 $1,100
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

Toyota Corolla Cross Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,520
$250 $1,372
$500 $1,204
$1,000 $1,042

Full coverage, driver age 40

Rates by Liability Limit

Toyota Corolla Cross Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,204
50/100 $1,275
100/300 $1,363
250/500 $1,593
100 CSL $1,310
300 CSL $1,505
500 CSL $1,647

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Corolla Cross Insurance Rates for High Risk Drivers
Age Premium
16 $6,426
20 $4,430
30 $2,666
40 $2,608
50 $2,486
60 $2,464

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $169

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $89
5-yr Claim Free $78
Paid in Full/EFT $55
Advance Quote $60
Online Quote $85
Total Discounts $512
Rate after discounts $692

Discounts are estimated and may not be available from every company or in every state.

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