Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance prices for a Toyota Corolla Cross are $1,204 every 12 months with full coverage. Comprehensive costs around $248 a year, collision costs $466, and liability insurance is estimated at $354. Buying just liability costs approximately $406 a year, with insurance for high-risk drivers costing around $2,608. 16-year-old drivers receive the highest rates at $4,500 a year or more.

Average premium for full coverage: $1,204

Rate estimates for individual coverage type:

Comprehensive $248
Collision $466
Liability $354

Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Corolla Cross trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from the cheapest price of $406 for a discount liability-only rate to a high 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 has a significant impact on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities.

The diagram below illustrates how location impacts auto insurance rates.

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

These examples demonstrate why it is important to get quotes for a specific zip code and their own driving history, rather than relying 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.

Rates by State, City, and Model

The chart below details estimated Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $692
  • Choosing higher $1,000 deductibles can save about $1,042 annually
  • The average price for a 40-year-old driver using $500 deductibles is $1,204
  • Buying low $100 deductibles for comp and collision coverage increases the price to $1,520
  • High-risk insureds with multiple tickets or accidents could pay at least $2,608 or more
  • The cost to insure a teen driver can be $4,500 each year

View Chart as Image

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

Auto insurance rates for a Toyota Corolla Cross can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $480 each year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $318 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Toyota Corolla Cross insurance rates. A good driver about age 40 could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or at least $1,620 on average in Florida, Michigan, 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

With so much variability in rates, the best way to find out your exact price is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different.

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 Shop for Cheaper Toyota Corolla Cross Insurance

Saving money on Toyota Corolla Cross insurance takes being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Spend time shopping around at every other renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a condensed summary of the concepts that were touched on above.

  • High-risk drivers with multiple at-fault accidents pay on average $1,400 more every year for auto insurance
  • Teenage drivers are expensive to insure, with premiums as much as $375 per month if comprehensive and collision insurance is included
  • You may be able to save up to $150 per year simply by quoting early and online
  • Increasing deductibles could save as much as $475 each year
  • You may be able to save up to $150 per year simply by quoting 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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