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 for full coverage. Comprehensive costs around $248 a year, collision costs $466, and liability costs around $354. Liability-only insurance costs as low as $406 a year, with high-risk driver insurance costing around $2,608. Teenage drivers 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:
These estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Corolla Cross trim levels.
Price Range Variability
For the average 40-year-old driver, Toyota Corolla Cross insurance rates go from as cheap as $406 for just the minimum liability insurance to a high of $2,608 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities.
The diagram below illustrates the difference location can make on auto insurance rates.
The examples above show why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on 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 Analysis
The chart below shows estimated Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.
- The best discount rate is $692
- Using higher $1,000 deductibles will save about $1,042 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,204
- Using low $100 deductibles for physical damage coverage will cost $1,520
- High-risk insureds who are prone to accidents and violations could pay at least $2,608 or more
- Policy cost with full coverage for a 16-year-old driver can be $4,500 or more
Auto insurance rates for a Toyota Corolla Cross also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 a year, 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 $4,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $480 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Toyota Corolla Cross insurance prices. A driver around age 40 might see rates as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,720 on average in Michigan, Louisiana, and New York.
| 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 know your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.
| 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 Cheap Toyota Corolla Cross Insurance
Finding cheaper rates on insurance for a Toyota Corolla Cross requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a brief summary of the coverage data touched on in this article.
- Drivers can save up to $150 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $475 each year
- Drivers under the age of 20 are expensive to insure, costing up to $375 each month if full coverage is included
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,400 more every year to insure a Toyota Corolla Cross
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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