Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Toyota Corolla Cross are $1,204 a year for full coverage. Comprehensive insurance costs an estimated $248 each year, collision insurance costs $466, and liability insurance costs around $354. A policy with just liability insurance costs as low as $406 a year, and coverage for high-risk drivers costs $2,608 or more. 16-year-old drivers pay the highest rates at up to $4,500 a year.

Average premium for full coverage: $1,204

Price estimates broken down by individual coverage:

Comprehensive $248
Collision $466
Liability $354

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 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 as low as $406 for your basic liability-only policy to a high rate of $2,608 for a driver that may need high-risk insurance.

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

Geographic Price Range

Where you live has a significant impact on insurance rates. More rural locations have a lower frequency of accident claims than congested cities. The graphic below illustrates how rural and urban location affects insurance prices.

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

The ranges above show why all drivers should compare prices for a targeted area and risk profile, rather than relying on rate 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 Information

The chart below shows average Toyota Corolla Cross insurance rates for other coverage scenarios.

  • The best full coverage rate is $692
  • Using higher $1,000 deductibles will save approximately $162 a year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,204
  • Buying low deductibles for physical damage coverage will cost an extra $316 a year
  • Drivers with multiple tickets or accidents could pay up to $2,608
  • The price for full coverage for a teen driver can cost as much as $4,500 or more

View Chart as Image

Toyota Corolla Cross insurance cost comparison chart
Column chart showing Toyota Corolla Cross insurance prices range from $692 to $4,500 for full coverage

Insurance prices for a Toyota Corolla Cross are also quite variable based on your driving record, the trim level of your Corolla Cross, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,500 a year. View Rates by Age

The state you live in has a huge impact on Toyota Corolla Cross insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Iowa, Maine, and Idaho, or at least $1,720 on average in New York, Louisiana, 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

Opting for high physical damage deductibles could cut prices by as much as $480 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

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 More Affordable Toyota Corolla Cross Insurance

Getting lower rates on Toyota Corolla Cross insurance requires avoiding accidents and claims, maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The points below are a summary of the data that was raised in the charts and tables above.

  • Drivers can save approximately $150 per year just by quoting online in advance
  • Drivers who want increased liability limits will pay around $390 each year to increase from a low limit to 250/500 limits
  • Drivers under the age of 20 are charged the highest prices, with premiums as much as $375 a month for full coverage
  • High-risk drivers who have multiple accidents or major violations pay an average of $1,400 more annually to insure a Toyota Corolla Cross

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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