Toyota Corolla Cross Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota Corolla Cross are $1,208 a year with full coverage. Comprehensive insurance costs an estimated $256 each year, collision insurance costs $478, and liability insurance is $338. Liability-only coverage costs around $394 a year, and high-risk coverage costs $2,616 or more. 16-year-old drivers pay the most at up to $4,490 a year.
Average premium for full coverage: $1,208
Premium estimates broken down by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Corolla Cross models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Toyota Corolla Cross range from as low as $394 for the bare minimum liability coverage to a high rate of $2,616 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than congested cities. The graphic below illustrates how geographic area affects insurance prices.
These rate differences demonstrate why all drivers should compare rates quotes for a targeted area and risk profile, 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.
Additional Rate Information
The chart below details average Toyota Corolla Cross insurance rates for other coverage scenarios.
- The best full coverage rate is $694
- Raising to $1,000 deductibles will save approximately $166 annually
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,208
- Buying low deductibles will cost an extra $324 a year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,616
- An auto insurance policy for full coverage for a teen driver can cost as much as $4,490
Insurance prices for a Toyota Corolla Cross also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age
Where you choose to live also has a big influence on Toyota Corolla Cross insurance rates. A middle-age driver might find prices as low as $870 a year in states like Utah, Ohio, and New Hampshire, or at least $1,630 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $490 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $304 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 129% more than the average rate. 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 Cheaper Toyota Corolla Cross Insurance
Finding better rates on Toyota Corolla Cross insurance consists of having a decent driving record, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates every other policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a condensed summary of the ideas that were presented in the illustrations above.
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $374 per month for full coverage
- High-risk drivers with multiple at-fault accidents may pay on average $1,410 more annually than a driver with a clean driving record
- Increasing policy deductibles can save around $500 each year
- You may be able to save approximately $150 per year just by quoting online in advance
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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