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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U.S. average insurance prices for a Toyota Corolla Cross are $1,204 every 12 months for full coverage. Comprehensive insurance costs an estimated $248 a year, collision costs $466, and liability costs around $354. Buying just liability costs as low as $406 a year, with insurance for high-risk drivers costing $2,608 or more. Teenage drivers pay the highest rates at $4,500 a year or more.
Average premium for full coverage: $1,204
Price estimates broken down by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Corolla Cross trim levels.
Price Range from Low to High
For an average driver, Toyota Corolla Cross insurance prices go from the cheapest price of $406 for minimum levels of liability insurance to a high of $2,608 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can make a big difference on insurance rates. More rural locations have more infrequent accident claims than densely populated cities.
The diagram below illustrates the effect of geographic area on insurance prices.
The ranges above show why it is important to compare prices for a targeted area and their own driving history, 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 Details
The chart below shows estimated Toyota Corolla Cross insurance rates for other coverage scenarios.
- The best discount rate is $692
- Using higher $1,000 deductibles will save approximately $1,042 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,204
- Using low $100 deductibles for physical damage coverage costs an extra $316 annually
- High-risk insureds who are prone to accidents and violations could pay up to $2,608 or more
- The price to insure a 16-year-old driver can cost as much as $4,500 or more
Insurance prices for a Toyota Corolla Cross are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Using high physical damage deductibles could cut prices by as much as $480 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $318 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $4,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,400 to $2,000 additional each 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
The state you live in has a huge impact on Toyota Corolla Cross insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,720 on average in New York, Louisiana, and Michigan.
| 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% |
Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, and prices may be quite 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 Shop for More Affordable Toyota Corolla Cross Insurance
Getting lower rates on insurance for a Toyota Corolla Cross requires avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a summary of the data that was covered in the above illustrations.
- Drivers can save approximately $150 per year simply by quoting early and online
- Insureds who want higher liability limits will pay an extra $390 each year to increase from a low limit to a 250/500 level
- Teenagers are expensive to insure, with premiums as much as $375 a month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,400 more annually for car insurance
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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