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 $1,204 annually with full coverage. Comprehensive costs around $248, collision costs $466, and liability coverage costs around $354. Liability-only coverage costs as low as $406 a year, with high-risk coverage costing around $2,608. Teenage drivers pay the highest rates at $4,500 a year or more.

Average premium for full coverage: $1,204

Price estimates for individual coverage:

Comprehensive $248
Collision $466
Liability $354

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Corolla Cross trim levels.

Price Range from Low to High

For the average 40-year-old driver, Toyota Corolla Cross insurance prices go from as cheap as $406 for the bare minimum liability coverage to a much higher rate of $2,608 for a high-risk insurance policy.

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

Geographic Price Range

Where you live has a large influence on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance rates.

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

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than using 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.

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Additional Rate Information

The chart below details estimated Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $692
  • Using higher $1,000 deductibles will save about $162 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,204
  • Using more expensive low deductibles for physical damage coverage will cost $1,520
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,608 or more
  • The price with full coverage for a teenage driver with full coverage can be $4,500 or more

View Chart as Image

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

Auto insurance prices for a Toyota Corolla Cross are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,400 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $480 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $318 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota Corolla Cross insurance rates. A driver around age 40 might see prices as low as $870 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,620 on average in Florida, Michigan, 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

Since prices can be so different, the best way to find out your exact price is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different between companies.

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 Affordable Toyota Corolla Cross Insurance

Getting lower rates on auto insurance requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the car insurance concepts touched on in this article.

  • Drivers with DUI or reckless driving convictions may pay on average $1,400 more every year than a safer driver
  • You may be able to save up to $150 per year simply by shopping early and online
  • Increasing physical damage deductibles could save up to $475 each year
  • Consumers who may need an increased level of liability coverage will pay an extra $390 every year to increase from a low limit to higher 250/500 limits

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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