Toyota Corolla Cross Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota Corolla Cross are $1,204 a year for full coverage insurance. Comprehensive insurance costs an estimated $248 a year, collision costs $466, and liability costs around $354. A policy with only liability insurance costs as low as $406 a year, with a high-risk policy costing $2,608 or more. Teenage drivers pay the most at $4,500 a year or more.
Average premium for full coverage: $1,204
Premium estimates broken down by type of coverage:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Corolla Cross trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Toyota Corolla Cross go from the low end price of $406 for your basic liability-only policy to a high of $2,608 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.
The diagram below illustrates the difference location can make on insurance prices.
These rate differences illustrate why it is important to compare prices for a targeted area, 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.
More Rate Information
The chart below illustrates estimated Toyota Corolla Cross insurance rates for other coverage scenarios.
- The best discount rate is $692
- Using higher $1,000 deductibles will save approximately $1,042 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,204
- Using low $100 deductibles for physical damage coverage will cost an additional $316 every year
- Drivers who are prone to accidents and violations could pay up to $2,608 or more
- An auto insurance policy that insures a teen driver can cost as much as $4,500 or more
Car insurance prices for a Toyota Corolla Cross also have a wide range based on the trim level of your Corolla Cross, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged at least $4,500 a year. View Rates by Age
Where you choose to live has a huge impact on Toyota Corolla Cross insurance prices. A driver around age 40 might see prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,620 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles could cut prices by as much as $480 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially 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 Find Cheaper Toyota Corolla Cross Insurance
Finding better rates on car insurance requires avoiding accidents and claims, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Compare prices every time your policy renews by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
The points below are a condensed summary of the information touched on in this article.
- It is possible to save approximately $150 per year simply by quoting early and online
- Drivers under the age of 20 have the highest car insurance prices, with premiums being up to $375 per month if full coverage is purchased
- Increasing policy deductibles can save approximately $475 each year
- Higher risk drivers with multiple at-fault accidents may have to pay on average $1,400 more annually to insure a Toyota Corolla Cross
- Policyholders who want increased liability limits will pay an extra $390 annually to increase from 30/60 bodily injury limits to the 250/500 level
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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