Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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The average auto insurance rates for a Toyota Corolla Cross are $1,208 annually including full coverage. Comprehensive insurance costs around $256 each year, collision insurance costs $478, and liability is $338. Liability-only insurance costs around $394 a year, and high-risk driver insurance costs $2,616 or more. Teenage drivers cost the most to insure at up to $4,490 a year.

Average premium for full coverage: $1,208

Policy rates for type of insurance:

Comprehensive $256
Collision $478
Liability $338

These estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Corolla Cross models.

Price Range Variability

For the average driver, Toyota Corolla Cross insurance rates range from as cheap as $394 for minimum levels of liability insurance to a high rate of $2,616 for high-risk insurance.

Liability Only $394
Full Coverage $1,208
High Risk $2,616

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

Rural Areas $906
Small Cities $1,268
Large Cities $1,631

The examples above highlight why all drivers should compare rates 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 Details

The chart below breaks down average Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $694
  • Raising to $1,000 deductibles will save about $166 every year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,208
  • Using low deductibles costs an additional $324 every year
  • At-risk drivers who are prone to accidents and violations could pay at least $2,616
  • Policy cost with full coverage for a teen driver can be $4,490

View Chart as Image

Toyota Corolla Cross insurance cost comparison chart
Column chart showing Toyota Corolla Cross insurance prices range from $694 to $4,490 for full coverage

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

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $490 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Corolla Cross insurance prices. A middle-age driver might find rates as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $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 $1,092 -$116 -9.6%
Alaska $926 -$282 -23.3%
Arizona $1,002 -$206 -17.1%
Arkansas $1,208 -$0 0.0%
California $1,376 $168 13.9%
Colorado $1,154 -$54 -4.5%
Connecticut $1,240 $32 2.6%
Delaware $1,366 $158 13.1%
Florida $1,508 $300 24.8%
Georgia $1,114 -$94 -7.8%
Hawaii $868 -$340 -28.1%
Idaho $820 -$388 -32.1%
Illinois $900 -$308 -25.5%
Indiana $912 -$296 -24.5%
Iowa $814 -$394 -32.6%
Kansas $1,148 -$60 -5.0%
Kentucky $1,648 $440 36.4%
Louisiana $1,788 $580 48.0%
Maine $746 -$462 -38.2%
Maryland $998 -$210 -17.4%
Massachusetts $964 -$244 -20.2%
Michigan $2,096 $888 73.5%
Minnesota $1,012 -$196 -16.2%
Mississippi $1,448 $240 19.9%
Missouri $1,072 -$136 -11.3%
Montana $1,296 $88 7.3%
Nebraska $950 -$258 -21.4%
Nevada $1,448 $240 19.9%
New Hampshire $870 -$338 -28.0%
New Jersey $1,350 $142 11.8%
New Mexico $1,068 -$140 -11.6%
New York $1,270 $62 5.1%
North Carolina $696 -$512 -42.4%
North Dakota $990 -$218 -18.0%
Ohio $834 -$374 -31.0%
Oklahoma $1,240 $32 2.6%
Oregon $1,108 -$100 -8.3%
Pennsylvania $1,152 -$56 -4.6%
Rhode Island $1,610 $402 33.3%
South Carolina $1,094 -$114 -9.4%
South Dakota $1,018 -$190 -15.7%
Tennessee $1,056 -$152 -12.6%
Texas $1,456 $248 20.5%
Utah $894 -$314 -26.0%
Vermont $826 -$382 -31.6%
Virginia $724 -$484 -40.1%
Washington $932 -$276 -22.8%
West Virginia $1,108 -$100 -8.3%
Wisconsin $834 -$374 -31.0%
Wyoming $1,074 -$134 -11.1%

View Chart as Image

Toyota Corolla Cross insurance rates by U.S. city
Toyota Corolla Cross Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Corolla Cross $268 $482 $332 $1,218
2023 Toyota Corolla Cross $256 $478 $338 $1,208
2022 Toyota Corolla Cross $248 $466 $354 $1,204

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 Cheap Toyota Corolla Cross Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief summary of the material that was touched on above.

  • Policyholders who may need higher levels of liability will pay an extra $370 per year to raise from a 30/60 limit to higher 250/500 limits
  • Teenage drivers are expensive to insure, with premiums being up to $374 each month if full coverage is included
  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,410 more every year for auto insurance
  • Increasing comprehensive and collision deductibles could save up to $500 each year

Rates by Driver Age

Toyota Corolla Cross Insurance Rates by Driver Age
Driver Age Premium
16 $4,490
20 $2,792
30 $1,260
40 $1,208
50 $1,104
60 $1,084

Full coverage, $500 deductibles

Rates by Deductible

Toyota Corolla Cross Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,532
$250 $1,382
$500 $1,208
$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 $1,208
50/100 $1,276
100/300 $1,360
250/500 $1,580
100 CSL $1,309
300 CSL $1,495
500 CSL $1,631

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Corolla Cross Insurance Rates for High Risk Drivers
Age Premium
16 $6,410
20 $4,442
30 $2,674
40 $2,616
50 $2,494
60 $2,472

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 $17
5-yr Accident Free $90
5-yr Claim Free $78
Paid in Full/EFT $56
Advance Quote $60
Online Quote $86
Total Discounts $514
Rate after discounts $694

Discounts are estimated and may not be available from every company or in every state.

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