Toyota Corolla Cross Insurance Rates

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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 with full coverage. Comprehensive insurance costs approximately $248 each year, collision costs $466, and liability coverage costs $354. A liability-only policy costs as little as $406 a year, with high-risk insurance 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:

Comprehensive $248
Collision $466
Liability $354

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Corolla Cross models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Toyota Corolla Cross go from as cheap as $406 for just liability insurance to a high rate of $2,608 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have fewer collision claims than congested cities.

The graphic below illustrates how geographic area affects auto insurance prices.

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

These rate differences demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, 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.

More Rate Details

The chart below details estimated Toyota Corolla Cross insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $692
  • Drivers who choose higher $1,000 deductibles will pay $162 annually
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,204
  • Buying low deductibles for comprehensive and collision insurance costs an additional $316 each year
  • High-risk insureds with multiple tickets or accidents could pay around $2,608 or more
  • An auto insurance policy with full coverage for a teenage driver can cost $4,500 a year

View Chart as Image

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

Auto insurance prices for a Toyota Corolla Cross also have a wide range based on the model of your Corolla Cross, your driving record, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,400 to $2,000 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $480 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Toyota Corolla Cross insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or at least $1,620 on average in New York, Michigan, and Florida.

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

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, and quoted prices will be substantially different between companies.

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 More Affordable Toyota Corolla Cross Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and not having any coverage lapses. Invest the time to compare rates at every other renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The points below are a summary of the concepts that were presented in the illustrations above.

  • Drivers who have multiple accidents or major violations may pay on average $1,400 more per year to insure a Toyota Corolla Cross
  • Drivers under the age of 20 have the highest car insurance prices, possibly costing $375 per month if full coverage is included
  • You may be able to save around $150 per year simply by quoting online in advance
  • Increasing policy deductibles could save up to $475 each year
  • You may be able to save around $150 per year simply by quoting online in advance

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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