Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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Average auto insurance rates for a Toyota Corolla Cross are $1,204 annually with full coverage. Comprehensive costs on average $248 a year, collision costs $466, and liability coverage costs $354. Liability-only coverage costs as little as $406 a year, with high-risk coverage costing around $2,608. 16-year-old drivers receive the highest rates at $4,500 a year or more.

Average premium for full coverage: $1,204

Rate estimates by individual coverage type:

Comprehensive $248
Collision $466
Liability $354

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Corolla Cross trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as cheap as $406 for basic liability insurance to a high of $2,608 for a driver who requires high-risk insurance.

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

Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas tend to have fewer collision claims than congested cities.

The diagram below illustrates how location helps determine car insurance rates.

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

These examples demonstrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than using 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.

Rate Comparisons

The chart below details estimated Toyota Corolla Cross insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $692
  • Drivers who choose higher $1,000 deductibles will pay around $1,042 annually
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,204
  • Buying low $100 deductibles for comprehensive and collision insurance will cost $1,520
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,608 or more
  • The cost with full coverage for a teenage driver may cost $4,500 a year

View Chart as Image

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

Car insurance rates for a Toyota Corolla Cross can also vary considerably based on the trim level of your Corolla Cross, your driving record, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $480 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

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 New Hampshire, Ohio, and Utah, or at least $1,620 on average in Florida, Michigan, and New York.

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

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every company utilizes a different rate formula, so rate quotes can be significantly different between companies.

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 Buy Cheap Toyota Corolla Cross Insurance

Saving money on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at every other renewal by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a brief summary of the concepts that were covered in the charts and tables above.

  • Drivers that tend to have accidents or serious violations pay an average of $1,400 more each year for car insurance
  • Teenagers are expensive to insure, with premiums as much as $375 per month if comprehensive and collision insurance is included
  • You may be able to save as much as $150 per year simply by quoting early and online
  • Increasing deductibles could save up to $475 each year
  • You may be able to save as much as $150 per year simply by quoting early and online

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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