Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a Toyota Corolla Cross are $1,204 annually for full coverage insurance. Comprehensive costs around $248, collision costs $466, and liability costs around $354. A liability-only policy costs as low as $406 a year, with high-risk insurance costing around $2,608. Teens pay the most at $4,500 a year or more.

Average premium for full coverage: $1,204

Premium estimates for type of coverage:

Comprehensive $248
Collision $466
Liability $354

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Corolla Cross models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Toyota Corolla Cross go from as cheap as $406 for just the minimum liability insurance to the much higher price of $2,608 for a high-risk driver policy.

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

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance rates.

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

These rate differences illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, instead of using 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 Analysis

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

  • The cheapest rate after discounts is $692
  • Using higher $1,000 deductibles will save about $162 each year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,204
  • Selecting pricier low deductibles for physical damage coverage will cost $1,520
  • Drivers with serious driving violations could pay at least $2,608 or more
  • An auto insurance policy with full coverage for a teen driver for full coverage can be $4,500 or more

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 prices for a Toyota Corolla Cross also have a wide range based on the model of your Corolla Cross, your risk profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,400 to $2,000 in extra premium annually, depending on your age. Toyota Corolla Cross insurance for high-risk drivers can be as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $480 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Toyota Corolla Cross insurance prices. A driver around age 40 might see prices 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.

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 such a large range in prices, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Each insurance company calculates prices differently, and quoted prices will be substantially different 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 Cheaper Toyota Corolla Cross Insurance

Finding better rates on car insurance requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates every time your policy renews by requesting quotes from direct insurance companies, and also from several local insurance agents.

The items below are a condensed summary of the information covered in the above illustrations.

  • It is possible to save up to $150 per year simply by quoting online well ahead of the renewal date
  • Teen drivers are expensive to insure, with premiums being up to $375 per month if full coverage is included
  • Increasing policy deductibles could save up to $475 each year
  • Higher risk drivers with multiple at-fault accidents pay on average $1,400 more every year to insure their Corolla Cross
  • Policyholders who may need more liability coverage will pay approximately $390 annually to increase from 30/60 bodily injury limits to higher 250/500 limits

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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