Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance prices for a Toyota Corolla Cross are $1,204 every 12 months with full coverage. Comprehensive costs an estimated $248 a year, collision costs $466, and liability insurance is estimated at $354. Buying just liability costs approximately $406 a year, with insurance for high-risk drivers costing around $2,608. Teen drivers receive the highest rates at $4,500 a year or more.
Average premium for full coverage: $1,204
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Corolla Cross trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $406 for the bare minimum liability coverage to a high of $2,608 for high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than larger metro areas.
The diagram below illustrates how rural and urban location affects insurance prices.
These examples demonstrate why it is important to get quotes for a targeted area and their own driving history, rather than relying on 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.
Additional Rate Information
The chart below details estimated Toyota Corolla Cross insurance rates for other coverage scenarios.
- The lowest rate with discounts is $692
- Choosing higher $1,000 deductibles can save approximately $1,042 annually
- The average price for a 40-year-old driver who has $500 deductibles is $1,204
- Choosing low $100 deductibles for comp and collision coverage increases the price to $1,520
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,608 or more
- The cost to insure a teen driver can cost as much as $4,500 each year
Auto insurance rates for a Toyota Corolla Cross can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.
Choosing high deductibles can save as much as $480 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $318 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Toyota Corolla Cross insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,620 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,086 | -$118 | -9.8% |
| Alaska | $922 | -$282 | -23.4% |
| Arizona | $998 | -$206 | -17.1% |
| Arkansas | $1,204 | -$0 | 0.0% |
| California | $1,370 | $166 | 13.8% |
| Colorado | $1,146 | -$58 | -4.8% |
| Connecticut | $1,234 | $30 | 2.5% |
| Delaware | $1,358 | $154 | 12.8% |
| Florida | $1,502 | $298 | 24.8% |
| Georgia | $1,110 | -$94 | -7.8% |
| Hawaii | $864 | -$340 | -28.2% |
| Idaho | $816 | -$388 | -32.2% |
| Illinois | $896 | -$308 | -25.6% |
| Indiana | $906 | -$298 | -24.8% |
| Iowa | $810 | -$394 | -32.7% |
| Kansas | $1,142 | -$62 | -5.1% |
| Kentucky | $1,640 | $436 | 36.2% |
| Louisiana | $1,782 | $578 | 48.0% |
| Maine | $742 | -$462 | -38.4% |
| Maryland | $992 | -$212 | -17.6% |
| Massachusetts | $958 | -$246 | -20.4% |
| Michigan | $2,086 | $882 | 73.3% |
| Minnesota | $1,008 | -$196 | -16.3% |
| Mississippi | $1,440 | $236 | 19.6% |
| Missouri | $1,068 | -$136 | -11.3% |
| Montana | $1,290 | $86 | 7.1% |
| Nebraska | $946 | -$258 | -21.4% |
| Nevada | $1,442 | $238 | 19.8% |
| New Hampshire | $866 | -$338 | -28.1% |
| New Jersey | $1,344 | $140 | 11.6% |
| New Mexico | $1,064 | -$140 | -11.6% |
| New York | $1,264 | $60 | 5.0% |
| North Carolina | $692 | -$512 | -42.5% |
| North Dakota | $986 | -$218 | -18.1% |
| Ohio | $830 | -$374 | -31.1% |
| Oklahoma | $1,232 | $28 | 2.3% |
| Oregon | $1,102 | -$102 | -8.5% |
| Pennsylvania | $1,146 | -$58 | -4.8% |
| Rhode Island | $1,602 | $398 | 33.1% |
| South Carolina | $1,090 | -$114 | -9.5% |
| South Dakota | $1,014 | -$190 | -15.8% |
| Tennessee | $1,052 | -$152 | -12.6% |
| Texas | $1,448 | $244 | 20.3% |
| Utah | $890 | -$314 | -26.1% |
| Vermont | $822 | -$382 | -31.7% |
| Virginia | $720 | -$484 | -40.2% |
| Washington | $930 | -$274 | -22.8% |
| West Virginia | $1,102 | -$102 | -8.5% |
| Wisconsin | $830 | -$374 | -31.1% |
| Wyoming | $1,068 | -$136 | -11.3% |
With so much variability in rates, the best way to find out which company is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Corolla Cross | $256 | $478 | $338 | $1,208 |
| 2023 Toyota Corolla Cross | $248 | $466 | $354 | $1,204 |
| 2022 Toyota Corolla Cross | $240 | $446 | $364 | $1,186 |
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 the Best Toyota Corolla Cross Insurance
Saving money on Toyota Corolla Cross insurance takes being a good driver, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every couple of years by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the material that was raised in the charts and tables above.
- Drivers who want an increased level of liability coverage will pay about $390 every year to raise limits from a minimum limit to a 250/500 level
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $375 per month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations may pay on average $1,400 more annually than a safer driver
- Increasing deductibles could save as much as $475 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,500 |
| 20 | $2,784 |
| 30 | $1,254 |
| 40 | $1,204 |
| 50 | $1,100 |
| 60 | $1,080 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,372 |
| $500 | $1,204 |
| $1,000 | $1,042 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,204 |
| 50/100 | $1,275 |
| 100/300 | $1,363 |
| 250/500 | $1,593 |
| 100 CSL | $1,310 |
| 300 CSL | $1,505 |
| 500 CSL | $1,647 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,426 |
| 20 | $4,430 |
| 30 | $2,666 |
| 40 | $2,608 |
| 50 | $2,486 |
| 60 | $2,464 |
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 | $18 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $85 |
| Total Discounts | $512 |
Discounts are estimated and may not be available from every company or in every state.
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