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 $1,204 annually including full coverage. Comprehensive insurance costs approximately $248, collision insurance costs $466, and liability coverage is estimated at $354. Buying just liability costs approximately $406 a year, and insurance for high-risk drivers costs $2,608 or more. Teenage drivers cost the most to insure at up to $4,500 a year.

Average premium for full coverage: $1,204

Policy rates by type of insurance:

Comprehensive $248
Collision $466
Liability $354

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Corolla Cross models.

Price Range Variability

For the normal driver, Toyota Corolla Cross insurance rates range from as cheap as $406 for just liability coverage to the much higher price of $2,608 for high-risk insurance.

Liability Only $406
Full Coverage $1,204
High Risk $2,608

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how geographic area affects auto insurance prices.

Rural Areas $903
Small Cities $1,264
Large Cities $1,625

The examples above highlight why everyone should get quotes using their specific location and their own personal driving habits, rather than 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.

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Detailed Rate Analysis

The chart below breaks down average Toyota Corolla Cross insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $692
  • Choosing higher $1,000 deductibles can save $162 every year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,204
  • Using pricier low deductibles for comp and collision coverage costs an additional $316 each year
  • Drivers who are prone to accidents and violations could pay around $2,608
  • Policy cost with full coverage for a teenage driver for full coverage can cost $4,500 each year

View Chart as Image

Toyota Corolla Cross insurance cost comparison chart
Column chart showing Toyota Corolla Cross insurance prices range from $692 to $4,500 for full coverage

Insurance rates for a Toyota Corolla Cross also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,500 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 anywhere from $1,400 to $2,000 extra every year, depending on your age. Toyota Corolla Cross insurance for high-risk drivers ranges around 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $480 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Toyota Corolla Cross insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,720 on average in Louisiana, New York, and Michigan.

Toyota Corolla Cross Insurance Rates by State
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%

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 $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 the Best Toyota Corolla Cross Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a brief recap of the material that was presented in the illustrations above.

  • Consumers who purchase higher liability limits will pay an extra $390 per year to raise limits from a 30/60 limit to higher 250/500 limits
  • Teenagers are expensive to insure, with premiums being up to $375 each month including comprehensive and collision insurance
  • Drivers who tend to receive serious violations may have to pay on average $1,400 more per year for car insurance
  • Increasing comprehensive and collision deductibles could save up to $475 each year

Rates by Driver Age

Toyota Corolla Cross Insurance 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

Toyota Corolla Cross Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,520
$250 $1,372
$500 $1,204
$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 $1,204
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

Toyota Corolla Cross Insurance 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.

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 $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
Rate after discounts $692

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

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