Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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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...
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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 costs an estimated $256, collision costs $478, and liability is $338. A liability-only policy costs around $394 a year, with high-risk insurance costing around $2,616. Teenage drivers cost the most to insure at $4,490 a year or more.
Average premium for full coverage: $1,208
Policy rates broken down by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Corolla Cross trim levels.
Price Range Variability
Using a middle-aged driver as an example, Toyota Corolla Cross insurance rates go from as cheap as $394 for just liability coverage to a much higher rate of $2,616 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates how where you live affects insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using 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.
Detailed Rate Analysis
The chart below breaks down estimated Toyota Corolla Cross insurance rates for other coverage scenarios.
- The best discount rate is $694
- Raising to $1,000 deductibles will save approximately $166 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,208
- Using more expensive low deductibles will cost $1,532
- At-risk drivers who are prone to accidents and violations could pay up to $2,616 or more
- Policy cost with full coverage for a teen driver with full coverage can cost as much as $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 liability limits and deductibles.
An older driver with no driving violations and high physical damage deductibles may pay as little as $1,100 every 12 months 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 at least $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 $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $490 every year, while increasing your policy's liability limits will increase premiums. 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 also has a big influence on Toyota Corolla Cross insurance prices. A middle-age driver might find rates as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay 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% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied between companies.
| 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 car insurance consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a brief recap of the primary concepts that were touched on in the above illustrations.
- You may be able to save approximately $150 per year simply by shopping early and online
- Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,410 more annually than a driver with a clean driving record
- Increasing comprehensive and collision deductibles could save up to $500 each year
- 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $374 each month if comprehensive and collision insurance is included
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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