Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Toyota Corolla Cross are $1,204 a year for full coverage. Comprehensive insurance costs around $248 each year, collision costs $466, and liability insurance costs $354. Buying just liability costs as little as $406 a year, with insurance for high-risk drivers costing $2,608 or more. Teens pay the highest rates at $4,500 a year or more.
Average premium for full coverage: $1,204
Price estimates for individual coverage:
Prices include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Corolla Cross models.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota Corolla Cross insurance prices go from as low as $406 for your basic liability-only policy to a high rate of $2,608 for high-risk insurance.
Geographic Price Range
Your location has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects auto insurance rates.
The ranges above show why all drivers should compare rates for a specific zip code and risk profile, 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.
More Rate Information
The chart below shows estimated Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $692
- Drivers who choose higher $1,000 deductibles will pay about $162 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,204
- Selecting low deductibles for comprehensive and collision insurance will cost an extra $316 a year
- High risk drivers with serious driving violations could pay at least $2,608 or more
- The price for full coverage for a teen driver can be $4,500 a year
Insurance prices for a Toyota Corolla Cross are also quite variable based on your driving record, the trim level of your Corolla Cross, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $4,500 a year. View Rates by Age
The state you live in 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 Idaho, Maine, and Iowa, or have to pay at least $1,720 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $480 each year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every company calculates prices differently, and prices may be quite 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 the Right Toyota Corolla Cross Insurance
Getting lower rates on Toyota Corolla Cross insurance not only requires being safe and accident-free, but also having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every couple of years by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
Below you'll find a quick rundown of the material that was raised in the charts and tables above.
- Drivers who may need more liability protection will pay approximately $390 each year to go from a low limit to 250/500 limits
- Youthful drivers are charged the highest prices, with premiums as much as $375 a month including comprehensive and collision insurance
- High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,400 more every year than a low-risk driver
- Increasing physical damage deductibles can save around $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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