Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance prices for a Toyota Corolla Cross are $1,204 every 12 months with full coverage. Comprehensive insurance costs an estimated $248 each year, collision costs $466, and liability insurance costs $354. Liability-only coverage costs as little as $406 a year, with high-risk coverage costing $2,608 or more. Teens receive the highest rates at $4,500 a year or more.
Average premium for full coverage: $1,204
Rate estimates broken down by individual coverage type:
Rates are based on $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Corolla Cross models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $406 for just liability coverage to a high rate of $2,608 for high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on insurance prices.
These examples demonstrate why all drivers should compare rates for a targeted area and their own driving history, rather than relying 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.
Detailed Rate Analysis
The chart below details estimated Toyota Corolla Cross insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $692
- Drivers who choose higher $1,000 deductibles will pay approximately $162 annually
- The average price for a 40-year-old driver who has $500 deductibles is $1,204
- Selecting low deductibles for comprehensive and collision insurance costs an extra $316 a year
- High risk drivers with serious driving violations could pay up to $2,608 or more
- The cost to insure a teen driver can cost as much as $4,500 a year
Car insurance rates for a Toyota Corolla Cross can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could save up to $480 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Toyota Corolla Cross insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,620 on average in New York, Michigan, and Florida.
| 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% |
With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from as many companies as possible. Every company calculates rates differently, so rate quotes can be significantly 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 the Best Cheap Toyota Corolla Cross Insurance
Saving money on Toyota Corolla Cross insurance not only requires having a good driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Make time to compare rates every couple of years by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The next list is a quick review of the material that was touched on in this article.
- Drivers who want increased levels of liability coverage will pay approximately $390 every year to go from a minimum limit to a 250/500 level
- Drivers age 20 and younger have the highest car insurance rates, with premiums as much as $375 per month if the policy includes full coverage
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,400 more annually to buy Toyota Corolla Cross insurance
- Increasing deductibles could save as much as $475 each year
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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