Toyota Corolla Cross Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance prices for a Toyota Corolla Cross are $1,204 every 12 months including full coverage. Comprehensive costs an estimated $248 each year, collision costs $466, and liability insurance is $354. A policy with only liability insurance costs around $406 a year, with a high-risk policy 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 broken down by type of coverage:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Corolla Cross models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Toyota Corolla Cross go from the cheapest price of $406 for the bare minimum liability coverage to a high rate of $2,608 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates how location impacts insurance prices.
These rate differences highlight why all drivers should compare rates quotes for a targeted area and their own driving history, 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 Information
The chart below breaks down estimated Toyota Corolla Cross insurance rates for other coverage scenarios.
- The best discount rate is $692
- Raising to $1,000 deductibles will save approximately $162 every year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,204
- Using low deductibles increases the price to $1,520
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,608 or more
- An auto insurance policy to insure a teen driver can cost as much as $4,500
Car insurance prices for a Toyota Corolla Cross also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles can reduce prices by up to $480 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $318 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $4,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Toyota Corolla Cross insurance rates. A middle-age driver might find prices as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,720 on average in Louisiana, 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% |
With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different.
| 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 Cheaper Toyota Corolla Cross Insurance
Finding better rates on Toyota Corolla Cross insurance consists of being a good driver, maintaining a good credit score, refrain from filing small claims, and not having any coverage lapses. Spend time shopping around every other policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.
The following list is a condensed summary of the ideas that were touched on above.
- Drivers age 16 to 20 have the highest car insurance prices, with the cost nearing $375 per month if the policy includes full coverage
- High-risk drivers with multiple at-fault accidents may have to pay on average $1,400 more annually than a safer driver
- Increasing policy deductibles could save as much as $475 each year
- You may be able to save approximately $150 per year simply by quoting online in advance
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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