Toyota Corolla Cross Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance prices for a Toyota Corolla Cross are $1,208 every 12 months including full coverage. Comprehensive costs an estimated $256, collision costs $478, and liability is estimated at $338. A policy with only liability insurance costs approximately $394 a year, with a high-risk policy costing around $2,616. Teen drivers pay the most at $4,490 a year or more.
Average premium for full coverage: $1,208
Premium estimates broken down by type of coverage:
Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different Corolla Cross trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Toyota Corolla Cross go from the cheapest price of $394 for your basic liability-only policy to a much higher rate of $2,616 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.
The price range example below illustrates the effect of geographic area on insurance prices.
These rate differences highlight why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, 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.
More Rate Information
The chart below breaks down estimated Toyota Corolla Cross insurance rates for other coverage scenarios.
- The lowest rate with discounts is $694
- Choosing higher $1,000 deductibles can save approximately $166 every year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,208
- Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,532
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,616 or more
- An auto insurance policy to insure a teen driver with full coverage can cost as much as $4,490 each year
Car insurance prices for a Toyota Corolla Cross also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.
Choosing high deductibles can save as much as $490 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $4,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance ranges as much as 45% to 129% more than average. View High Risk Driver Rates
Where you choose to live 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 Vermont, New Hampshire, and Missouri, or as much as $1,720 on average in Louisiana, New York, and Michigan.
| 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% |
With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so rate quotes will be substantially different.
| 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 Shop for Low Cost Toyota Corolla Cross Insurance
Finding better rates on car insurance takes being a low-risk driver, maintaining a good credit score, refrain from filing small claims, and not having any coverage lapses. Take the time to compare rates at least once a year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The items below are a review of the primary concepts that were covered in the above illustrations.
- You may be able to save approximately $150 per year simply by shopping early and online
- Higher risk drivers who have several accidents or serious violations may have to pay on average $1,410 more annually to insure their Corolla Cross
- Increasing policy deductibles could save as much as $500 each year
- Teen drivers have the highest car insurance prices, with the cost nearing $374 per month if the policy includes full coverage
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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