Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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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, collision costs $466, and liability insurance is estimated at $354. Buying just liability costs approximately $406 a year, with insurance for high-risk drivers costing around $2,608. Teen 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:
Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Corolla Cross models.
Price Range Variability
For a 40-year-old driver, Toyota Corolla Cross insurance rates go from as cheap as $406 for just liability insurance to the much higher price of $2,608 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas.
The example below illustrates how your location can change auto insurance rates.
The examples above show why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying on price 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 shows estimated Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $692
- Choosing higher $1,000 deductibles can save about $162 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,204
- Choosing pricier low deductibles for comp and collision coverage will cost $1,520
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,608 or more
- Policy cost with full coverage for a teen driver for full coverage can be $4,500 each year
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.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect 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 extra every year, depending on your age. Toyota Corolla Cross insurance for high-risk drivers ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $480 each year, whereas buying more liability protection will increase rates. Going 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 $790 a year in states like Idaho, Maine, and Iowa, or 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 regularly compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so the 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 Cheaper Toyota Corolla Cross Insurance
Finding cheaper rates on Toyota Corolla Cross insurance takes being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a condensed summary of the ideas that were illustrated above.
- Teenage drivers pay higher rates, costing up to $375 each month including comprehensive and collision insurance
- High-risk drivers with multiple at-fault accidents pay an average of $1,400 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save up to $475 each year
- Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
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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