Toyota Corolla Cross Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota Corolla Cross are $1,204 a year with full coverage. Comprehensive costs on average $248 a year, collision costs $466, and liability is estimated at $354. A policy with only liability insurance costs approximately $406 a year, with a high-risk policy costing around $2,608. Teens pay the most at $4,500 a year or more.
Average premium for full coverage: $1,204
Premium estimates by type of coverage:
Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and Corolla Cross trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Toyota Corolla Cross go from the low end price of $406 for just the minimum liability insurance to a high of $2,608 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.
The diagram below illustrates how location impacts car insurance rates.
These rate differences demonstrate why it is important to get quotes based on a specific location, 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.
Additional Rate Analysis
The chart below details estimated Toyota Corolla Cross insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $692
- Choosing higher $1,000 deductibles can save around $1,042 annually
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,204
- Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,520
- Higher-risk drivers with serious driving violations could pay upwards of $2,608 or more
- An auto insurance policy that insures a 16-year-old driver may cost $4,500 each year
Car insurance prices for a Toyota Corolla Cross also have a wide range based on the trim level of your Corolla Cross, your age and driving habits, and policy deductibles and limits.
If you have a few violations or you caused an accident, you may be forking out at a minimum $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy ranges from 44% to 130% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,500 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Toyota Corolla Cross insurance prices. A good driver about age 40 could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,620 on average in Florida, Michigan, 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $480 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each auto insurer calculates prices differently, so rate quotes will be substantially different.
| 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 Affordable Toyota Corolla Cross Insurance
Finding better rates on insurance for a Toyota Corolla Cross takes being a safe and courteous driver, having a positive credit history, being claim-free, and maximizing policy discounts. Compare rates every other policy renewal by requesting rates from direct companies, and also from several local insurance agents.
Below is a brief review of the ideas that were touched on above.
- Teenage drivers are expensive to insure, possibly costing $375 per month if full coverage is purchased
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,400 more each year for auto insurance
- Increasing policy deductibles can save approximately $475 each year
- You may be able to save as much as $150 per year simply by quoting early and online
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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