Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Toyota Corolla Cross are $1,208 a year for full coverage. Comprehensive costs on average $256, collision insurance costs $478, and liability insurance is $338. Buying just liability costs around $394 a year, and insurance for high-risk drivers costs around $2,616. Teen drivers pay the highest rates at up to $4,490 a year.
Average premium for full coverage: $1,208
Price estimates by individual coverage:
Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Corolla Cross models.
Price Range from Low to High
For the average 40-year-old driver, Toyota Corolla Cross insurance prices range from as low as $394 for a discount liability-only rate to the much higher price of $2,616 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than larger metro areas. The example below illustrates the difference location can make on car insurance rates.
The ranges above show why everyone should compare rates quotes based on a specific location and risk profile, rather than relying on price 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 shows average Toyota Corolla Cross insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $694
- Raising to $1,000 deductibles will save around $166 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,208
- Choosing pricier low deductibles will increase the cost to $1,532
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,616
- The price for full coverage for a teen driver for full coverage may cost $4,490
Insurance prices for a Toyota Corolla Cross are also quite variable based on your driving record, the trim level of your Corolla Cross, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age
The state you live in also has a big influence on Toyota Corolla Cross insurance rates. A middle-age driver might find prices as low as $800 a year in states like Idaho, Maine, and Iowa, or as much as $1,720 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,092 | -$116 | -9.6% |
| Alaska | $926 | -$282 | -23.3% |
| Arizona | $1,002 | -$206 | -17.1% |
| Arkansas | $1,208 | -$0 | 0.0% |
| California | $1,376 | $168 | 13.9% |
| Colorado | $1,154 | -$54 | -4.5% |
| Connecticut | $1,240 | $32 | 2.6% |
| Delaware | $1,366 | $158 | 13.1% |
| Florida | $1,508 | $300 | 24.8% |
| Georgia | $1,114 | -$94 | -7.8% |
| Hawaii | $868 | -$340 | -28.1% |
| Idaho | $820 | -$388 | -32.1% |
| Illinois | $900 | -$308 | -25.5% |
| Indiana | $912 | -$296 | -24.5% |
| Iowa | $814 | -$394 | -32.6% |
| Kansas | $1,148 | -$60 | -5.0% |
| Kentucky | $1,648 | $440 | 36.4% |
| Louisiana | $1,788 | $580 | 48.0% |
| Maine | $746 | -$462 | -38.2% |
| Maryland | $998 | -$210 | -17.4% |
| Massachusetts | $964 | -$244 | -20.2% |
| Michigan | $2,096 | $888 | 73.5% |
| Minnesota | $1,012 | -$196 | -16.2% |
| Mississippi | $1,448 | $240 | 19.9% |
| Missouri | $1,072 | -$136 | -11.3% |
| Montana | $1,296 | $88 | 7.3% |
| Nebraska | $950 | -$258 | -21.4% |
| Nevada | $1,448 | $240 | 19.9% |
| New Hampshire | $870 | -$338 | -28.0% |
| New Jersey | $1,350 | $142 | 11.8% |
| New Mexico | $1,068 | -$140 | -11.6% |
| New York | $1,270 | $62 | 5.1% |
| North Carolina | $696 | -$512 | -42.4% |
| North Dakota | $990 | -$218 | -18.0% |
| Ohio | $834 | -$374 | -31.0% |
| Oklahoma | $1,240 | $32 | 2.6% |
| Oregon | $1,108 | -$100 | -8.3% |
| Pennsylvania | $1,152 | -$56 | -4.6% |
| Rhode Island | $1,610 | $402 | 33.3% |
| South Carolina | $1,094 | -$114 | -9.4% |
| South Dakota | $1,018 | -$190 | -15.7% |
| Tennessee | $1,056 | -$152 | -12.6% |
| Texas | $1,456 | $248 | 20.5% |
| Utah | $894 | -$314 | -26.0% |
| Vermont | $826 | -$382 | -31.6% |
| Virginia | $724 | -$484 | -40.1% |
| Washington | $932 | -$276 | -22.8% |
| West Virginia | $1,108 | -$100 | -8.3% |
| Wisconsin | $834 | -$374 | -31.0% |
| Wyoming | $1,074 | -$134 | -11.1% |
Choosing high deductibles can reduce prices by up to $490 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 additional each year, depending on your age. Toyota Corolla Cross insurance for high-risk drivers is expensive and can cost anywhere from 45% to 129% more than average. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Corolla Cross | $268 | $482 | $332 | $1,218 |
| 2023 Toyota Corolla Cross | $256 | $478 | $338 | $1,208 |
| 2022 Toyota Corolla Cross | $248 | $466 | $354 | $1,204 |
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 More Affordable Toyota Corolla Cross Insurance
Getting lower rates on Toyota Corolla Cross insurance consists of having a good driving record, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Make time to compare rates at every policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The next list is a summary of the data touched on in this article.
- Drivers who require increased levels of liability coverage will pay about $370 each year to raise from a low limit to 250/500 limits
- Drivers can save as much as $150 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $500 each year
- Drivers age 20 and younger pay higher prices, with premiums as much as $374 a month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,490 |
| 20 | $2,792 |
| 30 | $1,260 |
| 40 | $1,208 |
| 50 | $1,104 |
| 60 | $1,084 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,532 |
| $250 | $1,382 |
| $500 | $1,208 |
| $1,000 | $1,042 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,208 |
| 50/100 | $1,276 |
| 100/300 | $1,360 |
| 250/500 | $1,580 |
| 100 CSL | $1,309 |
| 300 CSL | $1,495 |
| 500 CSL | $1,631 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,410 |
| 20 | $4,442 |
| 30 | $2,674 |
| 40 | $2,616 |
| 50 | $2,494 |
| 60 | $2,472 |
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 | $17 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $56 |
| Advance Quote | $60 |
| Online Quote | $86 |
| Total Discounts | $514 |
Discounts are estimated and may not be available from every company or in every state.
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