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 $1,208 annually for full coverage. Comprehensive insurance costs approximately $256, collision costs $478, and liability insurance costs $338. A liability-only policy costs as little as $394 a year, with high-risk insurance costing $2,616 or more. Teenage drivers cost the most to insure at $4,490 a year or more.

Average premium for full coverage: $1,208

Policy rates by type of insurance:

Comprehensive $256
Collision $478
Liability $338

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Corolla Cross trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Toyota Corolla Cross insurance rates go from as cheap as $394 for basic liability insurance to a much higher rate of $2,616 for coverage for higher-risk drivers.

Liability Only $394
Full Coverage $1,208
High Risk $2,616

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $906
Small Cities $1,268
Large Cities $1,631

The examples above show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than relying on 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.

Rate Comparisons

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

  • The best discount rate is $694
  • Drivers who choose higher $1,000 deductibles will pay $166 a year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,208
  • Using more expensive low deductibles for comprehensive and collision insurance costs an additional $324 a year
  • High risk drivers who are prone to accidents and violations could pay around $2,616 or more
  • Policy cost with full coverage for a teen driver with full coverage can cost $4,490 a year

View Chart as Image

Toyota Corolla Cross insurance cost comparison chart
Column chart showing full coverage Toyota Corolla Cross insurance prices range from $694 to $4,490

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

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $490 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Toyota Corolla Cross insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,720 on average in New York, Louisiana, and Michigan.

Toyota Corolla Cross Insurance Rates by State
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%

View Chart as Image

Toyota Corolla Cross insurance rates by U.S. city

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied between companies.

Toyota Corolla Cross Insurance Rates by Model Year
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 Buy the Best Toyota Corolla Cross Insurance

Finding cheaper rates on Toyota Corolla Cross insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief recap of the primary concepts that were raised in the charts and tables above.

  • Drivers can save around $150 per year simply by shopping early and online
  • High-risk drivers who tend to receive serious violations pay on average $1,410 more per year to buy Toyota Corolla Cross insurance
  • Increasing comprehensive and collision deductibles could save up to $500 each year
  • Drivers age 20 and younger pay the highest auto insurance rates, costing up to $374 each month if comprehensive and collision insurance is included

Rates by Driver Age

Toyota Corolla Cross Insurance 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

Toyota Corolla Cross Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,532
$250 $1,382
$500 $1,208
$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 $1,208
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

Toyota Corolla Cross Insurance 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.

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 $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
Rate after discounts $694

Discounts are estimated and may not be available from every company or in every state.

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