Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a Toyota Corolla Cross are $1,204 annually with full coverage. Comprehensive insurance costs on average $248 a year, collision insurance costs $466, and liability coverage costs $354. A policy with only liability insurance costs as little as $406 a year, and a high-risk policy costs $2,608 or more. Teenage drivers pay the most at up to $4,500 a year.

Average premium for full coverage: $1,204

Premium estimates by type of coverage:

Comprehensive $248
Collision $466
Liability $354

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Corolla Cross trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Toyota Corolla Cross range from as cheap as $406 for minimum levels of liability insurance to a high of $2,608 for high-risk insurance.

Liability Only $406
Full Coverage $1,204
High Risk $2,608

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

Rural Areas $903
Small Cities $1,264
Large Cities $1,625

These rate differences demonstrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than 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.

Additional Rate Details

The chart below details average Toyota Corolla Cross insurance rates for different risk profiles and scenarios.

  • The best discount rate is $692
  • Drivers who choose higher $1,000 deductibles will pay around $1,042 annually
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,204
  • Using low $100 deductibles for comprehensive and collision insurance costs an additional $316 each year
  • High-risk insureds who are prone to accidents and violations could pay upwards of $2,608
  • An auto insurance policy with full coverage for a teenage driver may cost $4,500 a year

View Chart as Image

Toyota Corolla Cross insurance cost comparison chart
Column chart showing Toyota Corolla Cross insurance prices range from $692 to $4,500 for full coverage

Car insurance prices for a Toyota Corolla Cross also have a wide range based on the model of your Corolla Cross, your driving record, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $480 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Toyota Corolla Cross insurance rates. A 40-year-old driver could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,620 on average in Florida, Michigan, and New York.

Toyota Corolla Cross Insurance Rates by State
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%

View Chart as Image

Toyota Corolla Cross insurance rates by U.S. city
Toyota Corolla Cross Insurance Rates by Model Year
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 Buy the Best Toyota Corolla Cross Insurance

Finding better rates on auto insurance not only requires having a decent driving record, but also having a good credit score, being claim-free, and possibly raising deductibles. Invest the time to compare rates every couple of years by requesting rates from direct companies, and also from local independent and exclusive agents.

The following items are a brief recap of the material that was presented in the illustrations above.

  • Consumers who require additional liability coverage will pay an extra $390 every year to go from 30/60 bodily injury limits to higher 250/500 limits
  • 16 to 18-year-old drivers are expensive to insure, possibly costing $375 per month if comprehensive and collision insurance is included
  • Drivers who tend to receive serious violations pay an average of $1,400 more each year than a driver with a clean driving record
  • Increasing policy deductibles could save up to $475 each year

Rates by Driver Age

Toyota Corolla Cross Insurance 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

Toyota Corolla Cross Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,520
$250 $1,372
$500 $1,204
$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 $1,204
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

Toyota Corolla Cross Insurance 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.

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 $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
Rate after discounts $692

Discounts are estimated and may not be available from every company or in every state.

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