Toyota Corolla Cross Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Toyota Corolla Cross are $1,204 annually for full coverage insurance. Comprehensive costs around $248 a year, collision insurance costs $466, and liability is estimated at $354. Buying just liability costs approximately $406 a year, and insurance for high-risk drivers costs around $2,608. Teens pay the highest rates at up to $4,500 a year.
Average premium for full coverage: $1,204
Price estimates for individual coverage:
These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Corolla Cross trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Toyota Corolla Cross insurance prices range from as cheap as $406 for minimum levels of liability insurance to a high of $2,608 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance rates.
The ranges above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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.
Additional Rate Details
The chart below illustrates average Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $692
- Choosing higher $1,000 deductibles can save about $1,042 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,204
- Selecting low $100 deductibles for comp and collision coverage will cost $1,520
- Higher-risk drivers with serious driving violations could pay at least $2,608
- The price with full coverage for a 16-year-old driver can be $4,500 each year
Insurance prices for a Toyota Corolla Cross are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $480 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $318 more each year. View Rates by Deductible or Liability Limit
The state you live in 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 Vermont, Wisconsin, and North Carolina, or have to pay at least $1,620 on average in Michigan, New York, and Florida.
| 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% |
| 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 Buy Cheap Toyota Corolla Cross Insurance
Getting lower rates on insurance for a Toyota Corolla Cross takes having a decent driving record, having good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop at every other renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a brief summary of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,400 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers are charged the highest prices, as much as $375 a month if they have full coverage
- It is possible to save up to $150 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $475 each year
- It is possible to save up to $150 per year just by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,372 |
| $500 | $1,204 |
| $1,000 | $1,042 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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