Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Toyota Corolla Cross are $1,208 every 12 months including full coverage. Comprehensive costs an estimated $256 each year, collision insurance costs $478, and liability is estimated at $338. A policy with just liability insurance costs approximately $394 a year, and coverage for high-risk drivers costs around $2,616. Teens pay the highest rates at up to $4,490 a year.
Average premium for full coverage: $1,208
Price estimates broken down by individual coverage:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Corolla Cross models.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota Corolla Cross insurance prices range from the cheapest price of $394 for your basic liability-only policy to a high rate of $2,616 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above highlight why all drivers should get quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.
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 Information
The chart below breaks down average Toyota Corolla Cross insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $694
- Choosing higher $1,000 deductibles can save approximately $166 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,208
- Selecting low deductibles for comp and collision coverage increases the price to $1,532
- Higher-risk drivers with serious driving violations could pay up to $2,616
- The price to insure a 16-year-old driver can cost as much as $4,490 each year
Insurance prices for a Toyota Corolla Cross are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can save as much as $490 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $4,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers ranges from 45% to 129% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Toyota Corolla Cross insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,720 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,092 | -$116 | -9.6% |
| Alaska | $926 | -$282 | -23.3% |
| Arizona | $1,002 | -$206 | -17.1% |
| Arkansas | $1,208 | -$0 | 0.0% |
| California | $1,376 | $168 | 13.9% |
| Colorado | $1,154 | -$54 | -4.5% |
| Connecticut | $1,240 | $32 | 2.6% |
| Delaware | $1,366 | $158 | 13.1% |
| Florida | $1,508 | $300 | 24.8% |
| Georgia | $1,114 | -$94 | -7.8% |
| Hawaii | $868 | -$340 | -28.1% |
| Idaho | $820 | -$388 | -32.1% |
| Illinois | $900 | -$308 | -25.5% |
| Indiana | $912 | -$296 | -24.5% |
| Iowa | $814 | -$394 | -32.6% |
| Kansas | $1,148 | -$60 | -5.0% |
| Kentucky | $1,648 | $440 | 36.4% |
| Louisiana | $1,788 | $580 | 48.0% |
| Maine | $746 | -$462 | -38.2% |
| Maryland | $998 | -$210 | -17.4% |
| Massachusetts | $964 | -$244 | -20.2% |
| Michigan | $2,096 | $888 | 73.5% |
| Minnesota | $1,012 | -$196 | -16.2% |
| Mississippi | $1,448 | $240 | 19.9% |
| Missouri | $1,072 | -$136 | -11.3% |
| Montana | $1,296 | $88 | 7.3% |
| Nebraska | $950 | -$258 | -21.4% |
| Nevada | $1,448 | $240 | 19.9% |
| New Hampshire | $870 | -$338 | -28.0% |
| New Jersey | $1,350 | $142 | 11.8% |
| New Mexico | $1,068 | -$140 | -11.6% |
| New York | $1,270 | $62 | 5.1% |
| North Carolina | $696 | -$512 | -42.4% |
| North Dakota | $990 | -$218 | -18.0% |
| Ohio | $834 | -$374 | -31.0% |
| Oklahoma | $1,240 | $32 | 2.6% |
| Oregon | $1,108 | -$100 | -8.3% |
| Pennsylvania | $1,152 | -$56 | -4.6% |
| Rhode Island | $1,610 | $402 | 33.3% |
| South Carolina | $1,094 | -$114 | -9.4% |
| South Dakota | $1,018 | -$190 | -15.7% |
| Tennessee | $1,056 | -$152 | -12.6% |
| Texas | $1,456 | $248 | 20.5% |
| Utah | $894 | -$314 | -26.0% |
| Vermont | $826 | -$382 | -31.6% |
| Virginia | $724 | -$484 | -40.1% |
| Washington | $932 | -$276 | -22.8% |
| West Virginia | $1,108 | -$100 | -8.3% |
| Wisconsin | $834 | -$374 | -31.0% |
| Wyoming | $1,074 | -$134 | -11.1% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Corolla Cross | $268 | $482 | $332 | $1,218 |
| 2023 Toyota Corolla Cross | $256 | $478 | $338 | $1,208 |
| 2022 Toyota Corolla Cross | $248 | $466 | $354 | $1,204 |
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 Shop for the Best Cheap Toyota Corolla Cross Insurance
Getting lower rates on insurance for a Toyota Corolla Cross takes avoiding accidents and claims, having good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around at every other renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The points below are a quick review of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,410 more annually to insure a Toyota Corolla Cross
- Drivers under the age of 20 are charged the highest prices, possibly costing $374 a month if they have full coverage
- You may be able to save approximately $150 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $500 each year
- You may be able to save approximately $150 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,490 |
| 20 | $2,792 |
| 30 | $1,260 |
| 40 | $1,208 |
| 50 | $1,104 |
| 60 | $1,084 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,532 |
| $250 | $1,382 |
| $500 | $1,208 |
| $1,000 | $1,042 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,208 |
| 50/100 | $1,276 |
| 100/300 | $1,360 |
| 250/500 | $1,580 |
| 100 CSL | $1,309 |
| 300 CSL | $1,495 |
| 500 CSL | $1,631 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,410 |
| 20 | $4,442 |
| 30 | $2,674 |
| 40 | $2,616 |
| 50 | $2,494 |
| 60 | $2,472 |
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 | $17 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $56 |
| Advance Quote | $60 |
| Online Quote | $86 |
| Total Discounts | $514 |
Discounts are estimated and may not be available from every company or in every state.
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