Toyota Corolla Cross Insurance Rates

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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 including full coverage. Comprehensive insurance costs on average $248, collision costs $466, and liability is $354. Buying just liability costs around $406 a year, with insurance for high-risk drivers costing $2,608 or more. 16-year-old drivers receive the highest rates at $4,500 a year or more.

Average premium for full coverage: $1,204

Rate estimates by individual coverage type:

Comprehensive $248
Collision $466
Liability $354

These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Corolla Cross trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the cheapest price of $406 for just liability insurance to a much higher rate of $2,608 for a high-risk insurance policy.

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

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than congested cities.

The price range example below illustrates how where you live affects car insurance rates.

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

These examples highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using rate 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 Details

The chart below breaks down estimated Toyota Corolla Cross insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $692
  • Raising to $1,000 deductibles will save around $162 every year
  • The average price for a 40-year-old driver with $500 deductibles is $1,204
  • Buying more expensive low deductibles costs an extra $316 every year
  • At-risk drivers with multiple tickets or accidents could pay upwards of $2,608 or more
  • The cost to insure a teen driver with full coverage may cost $4,500

View Chart as Image

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

Auto insurance rates for a Toyota Corolla Cross can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Corolla Cross.

Opting for high physical damage deductibles can reduce rates by up to $480 every year, while increasing your policy's liability limits will cost you more. Changing 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

An older driver with a good driving record and higher deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Toyota Corolla Cross insurance prices. A middle-age driver might find rates as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,720 on average in Michigan, New York, and Louisiana.

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

With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different.

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 Shop for Cheap Toyota Corolla Cross Insurance

Saving money on car insurance consists of being a safe and courteous driver, having a good credit score, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a brief summary of the car insurance concepts touched on in the above illustrations.

  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,400 more each year for auto insurance
  • You may be able to save as much as $150 per year simply by shopping early and online
  • Increasing deductibles could save as much as $475 each year
  • Policyholders who require higher levels of liability will pay around $390 per year to raise from a minimum limit to a 250/500 level

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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