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 including full coverage. Comprehensive insurance costs around $256 a year, collision costs $478, and liability is estimated at $338. A liability-only policy costs approximately $394 a year, with high-risk insurance costing $2,616 or more. Teen drivers cost the most to insure at $4,490 a year or more.

Average premium for full coverage: $1,208

Policy rates for type of insurance:

Comprehensive $256
Collision $478
Liability $338

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. 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 $394 for basic liability insurance to a high of $2,616 for high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.

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

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

The examples above highlight why it is important to get quotes for a specific zip code and their own personal driving habits, instead of using 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.

Rate Comparisons

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

  • The lowest rate with discounts is $694
  • Choosing higher $1,000 deductibles can save about $1,042 every year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,208
  • Choosing low $100 deductibles for comp and collision coverage costs an additional $324 every year
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,616 or more
  • Policy cost with full coverage for a teen driver can be $4,490 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 $694 to $4,490

Car insurance rates for a Toyota Corolla Cross also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $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 are likely paying at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $490 every year, while buying higher liability limits will increase rates. Changing 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 plays a big part in determining prices for Toyota Corolla Cross insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,720 on average in Michigan, New York, and Louisiana.

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 best way to figure out your exact price is to get quotes and see which company has the best rate. Each auto insurer uses a different rate calculation, 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 More Affordable Toyota Corolla Cross Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a summary of the material that was covered above.

  • Policyholders who may need higher liability limits will pay about $370 per year to raise limits from a 30/60 limit to higher 250/500 limits
  • Teenagers are the costliest to insure, with premiums being up to $374 each month if comprehensive and collision insurance is included
  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,410 more every year for car insurance
  • Increasing comprehensive and collision deductibles could save up to $500 each year

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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