Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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The average insurance prices for a Toyota Corolla Cross are $1,204 every 12 months for full coverage. Comprehensive costs an estimated $248 each year, collision costs $466, and liability is estimated at $354. Buying just liability costs approximately $406 a year, with insurance for high-risk drivers costing around $2,608. Teen drivers cost the most to insure at $4,500 a year or more.
Average premium for full coverage: $1,204
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Corolla Cross models.
Price Range Variability
For a 40-year-old driver, Toyota Corolla Cross insurance rates go from the cheapest price of $406 for just the minimum liability insurance to a high rate of $2,608 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas.
The graphic below illustrates how your location can change insurance prices.
The examples above show why all drivers should get quotes for a targeted area and their own driving history, instead of making a decision based on price 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 shows estimated Toyota Corolla Cross insurance rates for other coverage scenarios.
- The lowest rate with discounts is $692
- Choosing higher $1,000 deductibles can save approximately $162 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,204
- Choosing low deductibles for comp and collision coverage increases the price to $1,520
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,608 or more
- Policy cost to insure a 16-year-old driver can cost as much as $4,500 each year
Insurance rates for a Toyota Corolla Cross also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Choosing high deductibles can save as much as $480 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than average. View High Risk Driver Rates
Your home state 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 Iowa, Maine, and Idaho, or as much as $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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so the rates will be varied.
| 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 Shop for the Best Toyota Corolla Cross Insurance
Finding cheaper rates on insurance for a Toyota Corolla Cross takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every couple of years by requesting rates from direct carriers, and also from several local insurance agents.
The points below are a brief recap of the material that was illustrated above.
- Insureds who want increased liability limits will pay about $390 each year to raise limits from a 30/60 limit to a 250/500 level
- Drivers under the age of 20 are charged the highest rates, costing up to $375 each month if they have full coverage
- Drivers considered higher risk who tend to receive serious violations pay on average $1,400 more annually to insure a Toyota Corolla Cross
- Increasing comprehensive and collision deductibles could save as much as $475 each year
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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