Toyota Corolla Cross Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a Toyota Corolla Cross are $1,204 every 12 months for full coverage insurance. Comprehensive insurance costs around $248, collision costs $466, and liability is $354. Liability-only coverage costs around $406 a year, with high-risk coverage costing $2,608 or more. Teens cost the most to insure at $4,500 a year or more.
Average premium for full coverage: $1,204
Policy rates for type of insurance:
Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Corolla Cross trim levels.
Price Range Variability
For the average 40-year-old driver, Toyota Corolla Cross insurance rates go from the cheapest price of $406 for the bare minimum liability coverage to a much higher rate of $2,608 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.
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 Information
The chart below illustrates estimated Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $692
- Raising to $1,000 deductibles will save about $162 each year
- The average price for a good driver age 40 using $500 deductibles is $1,204
- Selecting more expensive low deductibles costs an extra $316 annually
- Drivers with serious driving violations could pay at least $2,608 or more
- Policy cost to insure a 16-year-old driver with full coverage can be $4,500
Insurance rates for a Toyota Corolla Cross also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 130% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on Toyota Corolla Cross insurance prices. A middle-age driver might find rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,620 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied.
| 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 Low Cost Toyota Corolla Cross Insurance
Finding cheaper rates on insurance for a Toyota Corolla Cross consists of being safe and accident-free, having above-average credit, being claim-free, and taking advantage of discounts. Make time to compare rates at every policy renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below you'll find a review of the data touched on in this article.
- Insureds who may need more liability protection will pay approximately $390 annually to raise from a 30/60 limit to a 250/500 level
- It is possible to save up to $150 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $475 each year
- Youthful drivers are charged the highest rates, possibly costing $375 each month if full coverage is included
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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