Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Toyota Corolla Cross are $1,204 a year for full coverage insurance. Comprehensive insurance costs an estimated $248, collision costs $466, and liability coverage is $354. A liability-only policy costs around $406 a year, with high-risk insurance costing $2,608 or more. Teenage drivers pay the most at $4,500 a year or more.

Average premium for full coverage: $1,204

Premium estimates broken down by type of coverage:

Comprehensive $248
Collision $466
Liability $354

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for different Corolla Cross trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Toyota Corolla Cross go from as low as $406 for liability-only coverage to a much higher rate of $2,608 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on insurance prices.

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

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, 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.

Additional Charts and Tables

The chart below illustrates estimated Toyota Corolla Cross insurance rates for other coverage scenarios.

  • The best discount rate is $692
  • Raising to $1,000 deductibles will save approximately $162 each year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,204
  • Using more expensive low deductibles will cost an extra $316 each year
  • Unlucky drivers who are prone to accidents and violations could pay up to $2,608 or more
  • An auto insurance policy for full coverage for a teenage driver with full coverage can cost as much as $4,500

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 your driving characteristics, the model year and trim level, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $4,500 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota Corolla Cross insurance rates. A middle-age driver might find prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,620 on average in Florida, 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

Using high physical damage deductibles can reduce prices by up to $480 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

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 Find Cheap Toyota Corolla Cross Insurance

Finding better rates on auto insurance consists of avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the data that was covered in the above illustrations.

  • It is possible to save approximately $150 per year simply by shopping early and online
  • Consumers who want higher liability limits will pay an extra $390 annually to raise from 30/60 bodily injury limits to 250/500 limits
  • Teenagers are the costliest to insure, with premiums being up to $375 per month if they have full coverage
  • Drivers that tend to have accidents or serious violations pay on average $1,400 more annually for car insurance

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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