Toyota Corolla Cross Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Toyota Corolla Cross are $1,218 a year for full coverage. Comprehensive insurance costs around $268 each year, collision costs $482, and liability coverage is $332. Liability-only coverage costs around $388 a year, with high-risk coverage costing $2,624 or more. Teens pay the highest rates at $4,486 a year or more.
Average premium for full coverage: $1,218
Price estimates for individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Corolla Cross models.
Price Range from Low to High
For a driver in their 40's, Toyota Corolla Cross insurance prices go from as low as $388 for just the minimum liability insurance to a high rate of $2,624 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine auto insurance rates.
The ranges above show why all drivers should compare rates quotes for a specific zip code and risk profile, rather than 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 shows estimated Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $698
- Raising to $1,000 deductibles will save about $170 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,218
- Selecting low deductibles will cost an extra $328 each year
- Unlucky drivers with serious driving violations could pay at least $2,624 or more
- The price for full coverage for a teenage driver can be $4,486
Auto insurance prices for a Toyota Corolla Cross are also quite variable based on your driving record, the trim level of your Corolla Cross, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $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 have to pay at least $1,730 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,098 | -$120 | -9.9% |
| Alaska | $932 | -$286 | -23.5% |
| Arizona | $1,008 | -$210 | -17.2% |
| Arkansas | $1,218 | -$0 | 0.0% |
| California | $1,384 | $166 | 13.6% |
| Colorado | $1,160 | -$58 | -4.8% |
| Connecticut | $1,246 | $28 | 2.3% |
| Delaware | $1,372 | $154 | 12.6% |
| Florida | $1,518 | $300 | 24.6% |
| Georgia | $1,124 | -$94 | -7.7% |
| Hawaii | $874 | -$344 | -28.2% |
| Idaho | $824 | -$394 | -32.3% |
| Illinois | $904 | -$314 | -25.8% |
| Indiana | $916 | -$302 | -24.8% |
| Iowa | $818 | -$400 | -32.8% |
| Kansas | $1,152 | -$66 | -5.4% |
| Kentucky | $1,656 | $438 | 36.0% |
| Louisiana | $1,798 | $580 | 47.6% |
| Maine | $748 | -$470 | -38.6% |
| Maryland | $1,002 | -$216 | -17.7% |
| Massachusetts | $968 | -$250 | -20.5% |
| Michigan | $2,110 | $892 | 73.2% |
| Minnesota | $1,018 | -$200 | -16.4% |
| Mississippi | $1,454 | $236 | 19.4% |
| Missouri | $1,080 | -$138 | -11.3% |
| Montana | $1,306 | $88 | 7.2% |
| Nebraska | $958 | -$260 | -21.3% |
| Nevada | $1,456 | $238 | 19.5% |
| New Hampshire | $874 | -$344 | -28.2% |
| New Jersey | $1,358 | $140 | 11.5% |
| New Mexico | $1,074 | -$144 | -11.8% |
| New York | $1,278 | $60 | 4.9% |
| North Carolina | $698 | -$520 | -42.7% |
| North Dakota | $996 | -$222 | -18.2% |
| Ohio | $836 | -$382 | -31.4% |
| Oklahoma | $1,246 | $28 | 2.3% |
| Oregon | $1,114 | -$104 | -8.5% |
| Pennsylvania | $1,158 | -$60 | -4.9% |
| Rhode Island | $1,620 | $402 | 33.0% |
| South Carolina | $1,102 | -$116 | -9.5% |
| South Dakota | $1,026 | -$192 | -15.8% |
| Tennessee | $1,064 | -$154 | -12.6% |
| Texas | $1,466 | $248 | 20.4% |
| Utah | $900 | -$318 | -26.1% |
| Vermont | $828 | -$390 | -32.0% |
| Virginia | $726 | -$492 | -40.4% |
| Washington | $938 | -$280 | -23.0% |
| West Virginia | $1,116 | -$102 | -8.4% |
| Wisconsin | $840 | -$378 | -31.0% |
| Wyoming | $1,082 | -$136 | -11.2% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $500 a year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $299 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 128% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to do a rate comparison and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Corolla Cross | $280 | $500 | $316 | $1,232 |
| 2023 Toyota Corolla Cross | $268 | $482 | $332 | $1,218 |
| 2022 Toyota Corolla Cross | $256 | $478 | $338 | $1,208 |
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 the Best Toyota Corolla Cross Insurance
Getting lower rates on auto insurance consists of avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The list below is a brief recap of the material that was covered in the charts and tables above.
- Consumers who may need higher liability limits will pay approximately $370 each year to raise from a low limit to 250/500 limits
- Teenagers are expensive to insure, with premiums as much as $374 a month if they have full coverage
- Drivers who tend to receive serious violations may be required to pay an average of $1,410 more every year for car insurance
- Increasing physical damage deductibles can save around $500 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,486 |
| 20 | $2,800 |
| 30 | $1,270 |
| 40 | $1,218 |
| 50 | $1,110 |
| 60 | $1,090 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,546 |
| $250 | $1,392 |
| $500 | $1,218 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,218 |
| 50/100 | $1,284 |
| 100/300 | $1,367 |
| 250/500 | $1,583 |
| 100 CSL | $1,318 |
| 300 CSL | $1,500 |
| 500 CSL | $1,633 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,408 |
| 20 | $4,452 |
| 30 | $2,686 |
| 40 | $2,624 |
| 50 | $2,502 |
| 60 | $2,478 |
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 | $65 |
| Multi-vehicle | $63 |
| Homeowner | $17 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $57 |
| Advance Quote | $61 |
| Online Quote | $87 |
| Total Discounts | $520 |
Discounts are estimated and may not be available from every company or in every state.
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