Toyota Corolla Cross Insurance Rates
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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 insurance. Comprehensive costs around $248 a year, collision costs $466, and liability insurance costs $354. Liability-only insurance costs as little as $406 a year, with high-risk driver insurance costing around $2,608. 16-year-old drivers pay the highest rates at $4,500 a year or more.
Average premium for full coverage: $1,204
Price estimates for individual coverage:
Prices are based on $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Corolla Cross trim levels.
Price Range from Low to High
For the average 40-year-old driver, Toyota Corolla Cross insurance prices go from the low end price of $406 for your basic liability-only policy to a high of $2,608 for a policy for a high-risk driver.
Geographic Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance rates.
The ranges above illustrate why it is important to compare rates for a specific zip code, rather than relying 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.
More Rate Information
The chart below illustrates estimated Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $692
- Drivers who choose higher $1,000 deductibles will pay about $1,042 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,204
- Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,520
- High risk drivers with multiple tickets or accidents could pay at least $2,608 or more
- The price that insures a teen driver can be $4,500 a year
Car insurance prices for a Toyota Corolla Cross are also quite variable based on the trim level of your Corolla Cross, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged 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 Vermont, Wisconsin, and North Carolina, or at least $1,620 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles could save up to $480 each year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out your exact price is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so rate quotes may be quite 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 Find Affordable Toyota Corolla Cross Insurance
Getting lower rates on Toyota Corolla Cross insurance not only requires not taking risks behind the wheel, but also having a positive credit history, not filing small claims, and qualifying for all possible discounts. Comparison shop every year by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a brief review of the coverage data touched on in this article.
- It is possible to save up to $150 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $475 each year
- Teens are the costliest to insure, as much as $375 a month if full coverage is purchased
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,400 more every year for Corolla Cross insurance
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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