Toyota Corolla Cross Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Toyota Corolla Cross are $1,208 annually including full coverage. Comprehensive costs on average $256, collision insurance costs $478, and liability costs around $338. Buying just liability costs as low as $394 a year, and insurance for high-risk drivers costs around $2,616. 16-year-old drivers pay the highest rates at up to $4,490 a year.
Average premium for full coverage: $1,208
Price estimates by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Corolla Cross models.
Price Range from Low to High
For the normal driver, Toyota Corolla Cross insurance prices range from as cheap as $394 for just the minimum liability insurance to the much higher price of $2,616 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than congested cities. The example below illustrates how geographic area affects car insurance rates.
The ranges above highlight why everyone should compare prices based on a specific location and their own personal driving habits, instead of making a decision based 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 breaks down average Toyota Corolla Cross insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $694
- Using higher $1,000 deductibles will save around $166 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,208
- Buying pricier low deductibles for physical damage coverage will cost $1,532
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,616
- The price with full coverage for a 16-year-old driver for full coverage may cost $4,490 or more
Insurance prices for a Toyota Corolla Cross are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 additional each year, depending on your age. Toyota Corolla Cross insurance for high-risk drivers can be from 45% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $490 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 more each year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Toyota Corolla Cross insurance prices. A driver around age 40 might see prices as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,720 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Buy the Best Cheap Toyota Corolla Cross Insurance
Getting lower rates on insurance for a Toyota Corolla Cross requires having a decent driving record, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to compare rates at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a quick review of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,410 more each year than a driver with a clean driving record
- You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $500 each year
- Insureds who require additional liability coverage will pay around $370 per year to increase from a low limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,532 |
| $250 | $1,382 |
| $500 | $1,208 |
| $1,000 | $1,042 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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