Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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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...
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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 for full coverage. Comprehensive costs around $248, collision costs $466, and liability is estimated at $354. Liability-only coverage costs approximately $406 a year, with high-risk coverage costing around $2,608. Teenage drivers pay the most at $4,500 a year or more.
Average premium for full coverage: $1,204
Premium estimates for type of coverage:
Prices are based on $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all Corolla Cross models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Toyota Corolla Cross go from as cheap as $406 for just the minimum liability insurance to the much higher price of $2,608 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance rates.
These rate differences show why everyone should get quotes for a specific zip code and their own personal driving habits, 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.
Additional Rate Analysis
The chart below shows estimated Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.
- The best discount rate is $692
- Choosing higher $1,000 deductibles can save about $162 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,204
- Using pricier low deductibles for comp and collision coverage will cost $1,520
- Unlucky drivers who are prone to accidents and violations could pay at least $2,608 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can be $4,500 each year
Insurance prices for a Toyota Corolla Cross also have a wide range based on the model of your Corolla Cross, your driver profile, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 annually 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 can expect to pay as much as $4,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,400 to $2,000 extra annually, depending on your age. Toyota Corolla Cross insurance for high-risk drivers ranges as much as 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $480 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Toyota Corolla Cross insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,720 on average in Michigan, Louisiana, and New York.
| 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 such a large range in prices, the only way to know your exact price is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different between companies.
| 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 Affordable Toyota Corolla Cross Insurance
Finding better rates on car insurance takes not taking risks behind the wheel, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every year by getting quotes from direct carriers, and also from local independent and exclusive agents.
The following is a brief review of the coverage data raised in the charts and tables above.
- Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $475 each year
- Teens pay higher prices, as much as $375 per month including comprehensive and collision insurance
- Higher risk drivers with DUI or reckless driving convictions pay an average of $1,400 more every year for Corolla Cross insurance
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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