Toyota Corolla Cross Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Toyota Corolla Cross are $1,218 annually for full coverage insurance. Comprehensive insurance costs around $268, collision insurance costs $482, and liability is estimated at $332. Buying just liability costs approximately $388 a year, and insurance for high-risk drivers costs $2,624 or more. 16-year-old drivers receive the highest rates at up to $4,486 a year.
Average premium for full coverage: $1,218
Rate estimates for individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different Corolla Cross trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $388 for just liability coverage to a much higher rate of $2,624 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities. The price range example below illustrates how geographic area affects auto insurance rates.
These examples illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.
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 illustrates average Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $698
- Choosing higher $1,000 deductibles can save about $170 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,218
- Buying more expensive low deductibles for comp and collision coverage costs an additional $328 annually
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,624
- The cost with full coverage for a 16-year-old driver with full coverage can be $4,486 each year
Auto insurance rates for a Toyota Corolla Cross can also vary considerably based on the trim level of your Corolla Cross, your risk profile, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $4,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance ranges from 45% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $500 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $299 extra every year. View Rates by Deductible or Liability Limit
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 Vermont, Wisconsin, and North Carolina, or at least $1,640 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,098 | -$120 | -9.9% |
| Alaska | $932 | -$286 | -23.5% |
| Arizona | $1,008 | -$210 | -17.2% |
| Arkansas | $1,218 | -$0 | 0.0% |
| California | $1,384 | $166 | 13.6% |
| Colorado | $1,160 | -$58 | -4.8% |
| Connecticut | $1,246 | $28 | 2.3% |
| Delaware | $1,372 | $154 | 12.6% |
| Florida | $1,518 | $300 | 24.6% |
| Georgia | $1,124 | -$94 | -7.7% |
| Hawaii | $874 | -$344 | -28.2% |
| Idaho | $824 | -$394 | -32.3% |
| Illinois | $904 | -$314 | -25.8% |
| Indiana | $916 | -$302 | -24.8% |
| Iowa | $818 | -$400 | -32.8% |
| Kansas | $1,152 | -$66 | -5.4% |
| Kentucky | $1,656 | $438 | 36.0% |
| Louisiana | $1,798 | $580 | 47.6% |
| Maine | $748 | -$470 | -38.6% |
| Maryland | $1,002 | -$216 | -17.7% |
| Massachusetts | $968 | -$250 | -20.5% |
| Michigan | $2,110 | $892 | 73.2% |
| Minnesota | $1,018 | -$200 | -16.4% |
| Mississippi | $1,454 | $236 | 19.4% |
| Missouri | $1,080 | -$138 | -11.3% |
| Montana | $1,306 | $88 | 7.2% |
| Nebraska | $958 | -$260 | -21.3% |
| Nevada | $1,456 | $238 | 19.5% |
| New Hampshire | $874 | -$344 | -28.2% |
| New Jersey | $1,358 | $140 | 11.5% |
| New Mexico | $1,074 | -$144 | -11.8% |
| New York | $1,278 | $60 | 4.9% |
| North Carolina | $698 | -$520 | -42.7% |
| North Dakota | $996 | -$222 | -18.2% |
| Ohio | $836 | -$382 | -31.4% |
| Oklahoma | $1,246 | $28 | 2.3% |
| Oregon | $1,114 | -$104 | -8.5% |
| Pennsylvania | $1,158 | -$60 | -4.9% |
| Rhode Island | $1,620 | $402 | 33.0% |
| South Carolina | $1,102 | -$116 | -9.5% |
| South Dakota | $1,026 | -$192 | -15.8% |
| Tennessee | $1,064 | -$154 | -12.6% |
| Texas | $1,466 | $248 | 20.4% |
| Utah | $900 | -$318 | -26.1% |
| Vermont | $828 | -$390 | -32.0% |
| Virginia | $726 | -$492 | -40.4% |
| Washington | $938 | -$280 | -23.0% |
| West Virginia | $1,116 | -$102 | -8.4% |
| Wisconsin | $840 | -$378 | -31.0% |
| Wyoming | $1,082 | -$136 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Corolla Cross | $280 | $500 | $316 | $1,232 |
| 2023 Toyota Corolla Cross | $268 | $482 | $332 | $1,218 |
| 2022 Toyota Corolla Cross | $256 | $478 | $338 | $1,208 |
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 the Best Cheap Toyota Corolla Cross Insurance
Saving money on insurance for a Toyota Corolla Cross takes avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The list below is a quick review of the data that was presented in the illustrations above.
- It is possible to save up to $150 per year just by shopping early and online
- Insureds who may need higher liability limits will pay around $370 annually to raise limits from a minimum limit to higher 250/500 limits
- Teenagers are expensive to insure, costing up to $374 per month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,410 more every year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,486 |
| 20 | $2,800 |
| 30 | $1,270 |
| 40 | $1,218 |
| 50 | $1,110 |
| 60 | $1,090 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,546 |
| $250 | $1,392 |
| $500 | $1,218 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,218 |
| 50/100 | $1,284 |
| 100/300 | $1,367 |
| 250/500 | $1,583 |
| 100 CSL | $1,318 |
| 300 CSL | $1,500 |
| 500 CSL | $1,633 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,408 |
| 20 | $4,452 |
| 30 | $2,686 |
| 40 | $2,624 |
| 50 | $2,502 |
| 60 | $2,478 |
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 | $65 |
| Multi-vehicle | $63 |
| Homeowner | $17 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $57 |
| Advance Quote | $61 |
| Online Quote | $87 |
| Total Discounts | $520 |
Discounts are estimated and may not be available from every company or in every state.
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