Toyota Corolla Cross Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Toyota Corolla Cross are $1,218 every 12 months for full coverage. Comprehensive insurance costs around $268, collision costs $482, and liability costs $332. Liability-only coverage costs as little as $388 a year, with high-risk coverage costing $2,624 or more. Teens pay the most at $4,486 a year or more.
Average premium for full coverage: $1,218
Premium estimates for type of coverage:
Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different Corolla Cross trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota Corolla Cross go from the cheapest price of $388 for the bare minimum liability coverage to a much higher rate of $2,624 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than cities with more traffic congestion.
The price range example below illustrates how your location can change auto insurance rates.
These rate differences show why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of 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 Information
The chart below shows estimated Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $698
- Drivers who choose higher $1,000 deductibles will pay about $170 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,218
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $328 every year
- Higher-risk drivers with serious driving violations could pay at least $2,624 or more
- An auto insurance policy to insure a teen driver with full coverage can be $4,486 a year
Insurance prices for a Toyota Corolla Cross also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $500 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $299 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $4,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance can cost as much as 45% to 128% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Toyota Corolla Cross insurance prices. A 40-year-old driver could pay 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% |
With such a large range in prices, the only way to know your exact price is to compare prices and see which company has the best price. Every company calculates prices differently, so the prices will be substantially different.
| 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 Shop for More Affordable Toyota Corolla Cross Insurance
Finding better rates on car insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around at least once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.
The items below are a summary of the primary concepts that were illustrated above.
- Drivers can save up to $150 per year simply by shopping early and online
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,410 more every year to insure their Corolla Cross
- Increasing policy deductibles could save as much as $500 each year
- Teen drivers pay higher prices, as much as $374 per month if they have full coverage
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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