Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a Toyota Corolla Cross are $1,204 annually for full coverage. Comprehensive costs on average $248, collision insurance costs $466, and liability is estimated at $354. A liability-only policy costs approximately $406 a year, and high-risk insurance costs around $2,608. Teens pay the most at up to $4,500 a year.

Average premium for full coverage: $1,204

Premium estimates by type of coverage:

Comprehensive $248
Collision $466
Liability $354

Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different Corolla Cross trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Toyota Corolla Cross range from as cheap as $406 for the bare minimum liability coverage to a much higher rate of $2,608 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how where you live affects car insurance rates.

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

These rate differences show why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

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Additional Rate Information

The chart below shows average Toyota Corolla Cross insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $692
  • Choosing higher $1,000 deductibles can save around $162 a year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,204
  • Selecting more expensive low deductibles for comp and collision coverage will cost $1,520
  • Higher-risk drivers with serious driving violations could pay upwards of $2,608
  • An auto insurance policy with full coverage for a 16-year-old driver with full coverage may cost $4,500 each year

View Chart as Image

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

Auto insurance prices for a Toyota Corolla Cross also have a wide range based on the model of your Corolla Cross, your driver profile, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance ranges from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit

Where you choose to 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 $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,720 on average in Michigan, Louisiana, 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
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 the Right Toyota Corolla Cross Insurance

Finding better rates on insurance for a Toyota Corolla Cross takes being a safe and courteous driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop every year by getting quotes from direct carriers, and also from local insurance agents.

Below is a quick rundown of the coverage data touched on in the above illustrations.

  • Drivers can save as much as $150 per year just by shopping early and online
  • Increasing policy deductibles could save up to $475 each year
  • Teenage drivers are charged the highest prices, as much as $375 per month if full coverage is included
  • Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,400 more each year for auto insurance

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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