Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota Corolla Cross are $1,204 a year for full coverage insurance. Comprehensive costs approximately $248, collision costs $466, and liability insurance is estimated at $354. Liability-only coverage costs approximately $406 a year, with high-risk coverage costing around $2,608. Teenage drivers pay the most at $4,500 a year or more.
Average premium for full coverage: $1,204
Premium estimates by type of coverage:
Prices are based on $500 deductible amounts, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all Corolla Cross models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Toyota Corolla Cross go from as low as $406 for minimum levels of liability insurance to the much higher price of $2,608 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.
The example below illustrates the difference location can make on auto insurance prices.
These rate differences illustrate why everyone should get quotes using their specific location and risk profile, rather than relying on average rates.
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 Details
The chart below illustrates estimated Toyota Corolla Cross insurance rates for additional coverage and risk scenarios.
- The best discount rate is $692
- Choosing higher $1,000 deductibles can save $162 each year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,204
- Using pricier low deductibles for comp and collision coverage will increase the cost to $1,520
- High-risk insureds who are prone to accidents and violations could pay around $2,608 or more
- An auto insurance policy for full coverage for a teen driver for full coverage can cost $4,500 each year
Insurance prices for a Toyota Corolla Cross also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age
Where you choose to 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 $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,620 on average in Florida, New York, 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% |
Using high physical damage deductibles can save as much as $480 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,000 extra annually, depending on your age. Toyota Corolla Cross insurance for high-risk drivers ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different from one company to the next.
| 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 Affordable Toyota Corolla Cross Insurance
Finding better rates on Toyota Corolla Cross insurance takes having a good driving record, maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates every year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a brief review of the coverage data touched on in this article.
- It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $475 each year
- Drivers age 20 and younger are expensive to insure, with premiums being up to $375 per month for full coverage
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,400 more per year to buy Toyota Corolla Cross insurance
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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