Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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Average 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 liability-only policy costs approximately $406 a year, with high-risk insurance 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

Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Corolla Cross trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as low as $406 for your basic liability-only policy to a high of $2,608 for a high-risk driver policy.

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

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than congested cities.

The diagram below illustrates how where you live affects car insurance rates.

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

These examples demonstrate why it is important to get quotes based on a specific location and risk profile, instead of 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.

More Rate Information

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

  • The best full coverage rate is $692
  • Choosing higher $1,000 deductibles can save around $1,042 annually
  • The average rate for a 40-year-old driver with $500 deductibles is $1,204
  • Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,520
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $2,608 or more
  • The cost for full coverage for a teen driver may cost $4,500 each 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

Insurance rates for a Toyota Corolla Cross can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $4,500 a year. View Rates by Age

Where you 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 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

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

If you like to drive fast or tend to cause 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 ranges as much as 44% to 130% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, so the rates can be significantly different from one company to the next.

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

Saving money on car insurance takes being a safe and courteous driver, maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Take the time to comparison shop every time your policy renews by getting price quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

Below is a summary of the information touched on in the above illustrations.

  • You may be able to save as much as $150 per year simply by quoting early and online
  • Teenage drivers pay the highest rates, with premiums as much as $375 per month for full coverage
  • Increasing deductibles can save around $475 each year
  • Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,400 more each year for auto insurance
  • Policyholders who require higher levels of liability will pay around $390 every year to raise limits from a minimum limit to 250/500 limits

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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