Toyota Corolla Cross Insurance Rates

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View 2022 Toyota Corolla Cross Car Insurance Rates in 2025

Searching for better insurance coverage rates for your Toyota Corolla Cross? Having to pay for expensive Toyota Corolla Cross insurance can deplete your personal savings and possibly require postponing other expenditures. Comparing rate quotes is an excellent way to make ends meet. Companies like Allstate and Progressive all claim big savings with TV and radio ads and it is difficult to see past ...

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UPDATED: Mar 28, 2024

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Average insurance prices for a Toyota Corolla Cross are $1,208 every 12 months with full coverage. Comprehensive insurance costs around $256 each year, collision insurance costs $478, and liability insurance is estimated at $338. A liability-only policy costs approximately $394 a year, and high-risk insurance costs $2,616 or more. 16-year-old drivers receive the highest rates at up to $4,490 a year.

Average premium for full coverage: $1,208

Rate estimates for individual coverage type:

Comprehensive $256
Collision $478
Liability $338

Estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Corolla Cross models.

Price Range by Coverage and Risk

For the normal driver, prices range range from the cheapest price of $394 for just the minimum liability insurance to a high rate of $2,616 for a driver that may need high-risk insurance.

Liability Only $394
Full Coverage $1,208
High Risk $2,616

Price Range by Location

Living in a larger city has a significant impact on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities. The graphic below illustrates how geographic area affects auto insurance rates.

Rural Areas $906
Small Cities $1,268
Large Cities $1,631

These examples demonstrate why all drivers should get quotes for a specific zip code and their own driving history, 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.

Additional Rate Analysis

The chart below details average Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $694
  • Choosing higher $1,000 deductibles can save about $166 annually
  • The average price for a 40-year-old driver using $500 deductibles is $1,208
  • Buying low deductibles for comp and collision coverage costs an extra $324 a year
  • High-risk insureds with multiple tickets or accidents could pay at least $2,616
  • The cost to insure a teen driver can be $4,490 each year

View Chart as Image

Toyota Corolla Cross insurance cost comparison chart
Column chart showing Toyota Corolla Cross insurance prices range from $694 to $4,490 for full coverage

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

Opting for high physical damage deductibles can save as much as $490 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $304 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $4,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 129% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Toyota Corolla Cross insurance rates. 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 $1,630 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 $1,092 -$116 -9.6%
Alaska $926 -$282 -23.3%
Arizona $1,002 -$206 -17.1%
Arkansas $1,208 -$0 0.0%
California $1,376 $168 13.9%
Colorado $1,154 -$54 -4.5%
Connecticut $1,240 $32 2.6%
Delaware $1,366 $158 13.1%
Florida $1,508 $300 24.8%
Georgia $1,114 -$94 -7.8%
Hawaii $868 -$340 -28.1%
Idaho $820 -$388 -32.1%
Illinois $900 -$308 -25.5%
Indiana $912 -$296 -24.5%
Iowa $814 -$394 -32.6%
Kansas $1,148 -$60 -5.0%
Kentucky $1,648 $440 36.4%
Louisiana $1,788 $580 48.0%
Maine $746 -$462 -38.2%
Maryland $998 -$210 -17.4%
Massachusetts $964 -$244 -20.2%
Michigan $2,096 $888 73.5%
Minnesota $1,012 -$196 -16.2%
Mississippi $1,448 $240 19.9%
Missouri $1,072 -$136 -11.3%
Montana $1,296 $88 7.3%
Nebraska $950 -$258 -21.4%
Nevada $1,448 $240 19.9%
New Hampshire $870 -$338 -28.0%
New Jersey $1,350 $142 11.8%
New Mexico $1,068 -$140 -11.6%
New York $1,270 $62 5.1%
North Carolina $696 -$512 -42.4%
North Dakota $990 -$218 -18.0%
Ohio $834 -$374 -31.0%
Oklahoma $1,240 $32 2.6%
Oregon $1,108 -$100 -8.3%
Pennsylvania $1,152 -$56 -4.6%
Rhode Island $1,610 $402 33.3%
South Carolina $1,094 -$114 -9.4%
South Dakota $1,018 -$190 -15.7%
Tennessee $1,056 -$152 -12.6%
Texas $1,456 $248 20.5%
Utah $894 -$314 -26.0%
Vermont $826 -$382 -31.6%
Virginia $724 -$484 -40.1%
Washington $932 -$276 -22.8%
West Virginia $1,108 -$100 -8.3%
Wisconsin $834 -$374 -31.0%
Wyoming $1,074 -$134 -11.1%

View Chart as Image

Toyota Corolla Cross insurance rates by U.S. city
Toyota Corolla Cross Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Corolla Cross $268 $482 $332 $1,218
2023 Toyota Corolla Cross $256 $478 $338 $1,208
2022 Toyota Corolla Cross $248 $466 $354 $1,204

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 Low Cost Toyota Corolla Cross Insurance

Saving money on Toyota Corolla Cross insurance takes being a good driver, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a review of the data that was presented in the illustrations above.

  • You may be able to save up to $150 per year just by quoting online in advance
  • Drivers who may need an increased level of liability coverage will pay around $370 every year to raise limits from a minimum limit to a 250/500 level
  • Drivers age 16 to 20 pay higher rates, with premiums as much as $374 per month if they have full coverage
  • High-risk drivers who have several accidents or serious violations pay on average $1,410 more every year than a safer driver

Rates by Driver Age

Toyota Corolla Cross Insurance Rates by Driver Age
Driver Age Premium
16 $4,490
20 $2,792
30 $1,260
40 $1,208
50 $1,104
60 $1,084

Full coverage, $500 deductibles

Rates by Deductible

Toyota Corolla Cross Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,532
$250 $1,382
$500 $1,208
$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 $1,208
50/100 $1,276
100/300 $1,360
250/500 $1,580
100 CSL $1,309
300 CSL $1,495
500 CSL $1,631

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Corolla Cross Insurance Rates for High Risk Drivers
Age Premium
16 $6,410
20 $4,442
30 $2,674
40 $2,616
50 $2,494
60 $2,472

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 $17
5-yr Accident Free $90
5-yr Claim Free $78
Paid in Full/EFT $56
Advance Quote $60
Online Quote $86
Total Discounts $514
Rate after discounts $694

Discounts are estimated and may not be available from every company or in every state.

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