Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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The average auto insurance rates for a Toyota Corolla Cross are $1,204 annually for full coverage insurance. Comprehensive insurance costs approximately $248 a year, collision costs $466, and liability coverage is estimated at $354. Liability-only insurance costs approximately $406 a year, with high-risk driver insurance costing $2,608 or more. Teenage drivers cost the most to insure at $4,500 a year or more.

Average premium for full coverage: $1,204

Policy rates by type of insurance:

Comprehensive $248
Collision $466
Liability $354

Includes $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Corolla Cross trim levels.

Price Range Variability

For a driver around age 40, Toyota Corolla Cross insurance rates go from as cheap as $406 for minimum levels of liability insurance to a high of $2,608 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

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

The examples above illustrate why it is important to get quotes using their specific location and their own personal driving habits, rather than 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.

Additional Rate Details

The chart below illustrates estimated Toyota Corolla Cross insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $692
  • Choosing higher $1,000 deductibles can save $1,042 each year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,204
  • Using low $100 deductibles for comp and collision coverage costs an additional $316 each year
  • Drivers who are prone to accidents and violations could pay around $2,608 or more
  • Policy cost with full coverage for a teenage driver can 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

Auto insurance rates for a Toyota Corolla Cross also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $480 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Toyota Corolla Cross insurance rates. A good driver about age 40 could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,620 on average in Florida, New York, and Michigan.

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

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.

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 Buy the Cheapest Toyota Corolla Cross Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and not having any coverage lapses. Set aside time to compare rates at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a recap of the primary concepts that were covered above.

  • It is possible to save around $150 per year simply by quoting early and online
  • Drivers that have major violations or accidents could be forced to pay on average $1,400 more per year for Corolla Cross insurance
  • Increasing comprehensive and collision deductibles could save up to $475 each year
  • Teens have the highest car insurance rates, possibly costing $375 each month if full coverage is included

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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