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 prices for a Toyota Corolla Cross are $1,204 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $248 a year, collision costs $466, and liability coverage is $354. A policy with only liability insurance costs around $406 a year, with a high-risk policy costing $2,608 or more. 16-year-old drivers pay the most at $4,500 a year or more.
Average premium for full coverage: $1,204
Premium estimates by type of coverage:
Prices are based on $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Corolla Cross trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Toyota Corolla Cross go from the cheapest price of $406 for basic liability insurance to a high of $2,608 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than congested cities.
The diagram below illustrates how geographic area affects auto insurance prices.
These rate differences illustrate why it is important to compare rates quotes using their specific location and their own driving history, rather than 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.
Rate Comparisons
The chart below illustrates estimated Toyota Corolla Cross insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $692
- Raising to $1,000 deductibles will save $1,042 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,204
- Buying low $100 deductibles costs an extra $316 each year
- Unlucky drivers with multiple tickets or accidents could pay around $2,608 or more
- An auto insurance policy to insure a teenage driver can cost $4,500
Car insurance prices for a Toyota Corolla Cross also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Corolla Cross.
Opting for high physical damage deductibles can reduce prices by up to $480 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $318 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 130% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Toyota Corolla Cross insurance rates. A middle-age driver might find prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $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% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, 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 Shop for Affordable Toyota Corolla Cross Insurance
Finding better rates on auto insurance consists of having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Invest the time to compare rates at every policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.
The next list is a brief review of the data presented in the illustrations above.
- Consumers who purchase increased levels of liability coverage will pay around $390 annually to raise from 30/60 bodily injury limits to a 250/500 level
- It is possible to save around $150 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $475 each year
- Drivers age 20 and younger pay the highest auto insurance prices, with premiums being up to $375 per month if the policy includes full coverage
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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