Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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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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Estimated insurance rates for a Toyota Corolla Cross are $1,204 a year for full coverage. Comprehensive costs around $248 a year, collision costs $466, and liability is $354. Liability-only insurance costs around $406 a year, with high-risk driver insurance costing around $2,608. 16-year-old drivers pay the most at $4,500 a year or more.
Average premium for full coverage: $1,204
Premium estimates for type of coverage:
Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Corolla Cross trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota Corolla Cross go from the low end price of $406 for your basic liability-only policy to a high of $2,608 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than congested cities.
The diagram below illustrates how your location can change auto insurance rates.
These rate differences show why it is important to compare rates quotes for a specific zip code, 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.
More Rate Information
The chart below shows estimated Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $692
- Raising to $1,000 deductibles will save about $1,042 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,204
- Buying low $100 deductibles bumps up the cost to $1,520
- Drivers with multiple tickets or accidents could pay at least $2,608 or more
- An auto insurance policy that insures a 16-year-old driver can be $4,500
Insurance prices for a Toyota Corolla Cross also have a wide range based on the trim level of your Corolla Cross, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $1,400 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 130% more than the average rate. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $4,500 a year. View Rates by Age
Where you choose to live also has a big influence on Toyota Corolla Cross insurance prices. A middle-age driver might find prices as low as $790 a year in states like Idaho, Maine, and Iowa, or at least $1,720 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $480 annually, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know your exact price is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and prices will be substantially different.
| 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 Cheaper Toyota Corolla Cross Insurance
Finding better rates on insurance for a Toyota Corolla Cross consists of having a good driving record, having a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop at least once a year by quoting rates from direct carriers, and also from several local insurance agents.
The next list is a condensed summary of the primary concepts that were illustrated above.
- Drivers can save up to $150 per year simply by quoting early and online
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,400 more every year to buy Toyota Corolla Cross insurance
- Increasing policy deductibles can save approximately $475 each year
- Drivers age 20 and younger are charged the highest prices, as much as $375 per month if comprehensive and collision insurance is included
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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