Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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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 for full coverage. Comprehensive costs approximately $248, collision costs $466, and liability insurance costs $354. Liability-only coverage costs as little as $406 a year, with high-risk coverage costing around $2,608. Teens receive the highest rates at $4,500 a year or more.
Average premium for full coverage: $1,204
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Corolla Cross models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $406 for a discount liability-only rate to the much higher price of $2,608 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than cities with more traffic congestion.
The example below illustrates how rural and urban location affects auto insurance prices.
These examples show why everyone should compare rates using their specific location and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below shows estimated Toyota Corolla Cross insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $692
- Drivers who choose higher $1,000 deductibles will pay $162 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,204
- Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,520
- High risk drivers with serious driving violations could pay around $2,608 or more
- The cost with full coverage for a teen driver for full coverage can cost $4,500 a year
Car insurance rates for a Toyota Corolla Cross can also vary considerably based on the trim level of your Corolla Cross, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $4,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 extra per year, depending on your age. Toyota Corolla Cross insurance for high-risk drivers can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $480 each year, whereas buying more liability protection will push rates upward. Going 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 $790 a year in states like Iowa, Maine, and Idaho, or have to pay at least $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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Every company calculates rates differently, so rate quotes can be significantly different between companies.
| 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 Cheaper Toyota Corolla Cross Insurance
Saving money on Toyota Corolla Cross insurance not only requires having a decent driving record, but also having a good credit score, eliminating unneeded coverage, and avoiding coverage lapses. Set aside time to shop around once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The following items are a condensed summary of the data that was raised in the charts and tables above.
- Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
- Drivers who purchase additional liability coverage will pay approximately $390 each year to go from a minimum limit to higher 250/500 limits
- 16 to 18-year-old drivers pay the highest auto insurance rates, costing as high as $375 per month if comprehensive and collision insurance is included
- High-risk drivers with multiple at-fault accidents pay on average $1,400 more per year than a driver with a clean driving record
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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