Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Toyota Corolla Cross are $1,208 annually for full coverage insurance. Comprehensive costs around $256 each year, collision costs $478, and liability insurance is estimated at $338. Liability-only coverage costs approximately $394 a year, with high-risk coverage costing around $2,616. 16-year-old drivers receive the highest rates at $4,490 a year or more.
Average premium for full coverage: $1,208
Rate estimates for individual coverage type:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Corolla Cross models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $394 for your basic liability-only policy to a high rate of $2,616 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why all drivers should get quotes for a specific zip code and their own personal driving habits, 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 $694
- Choosing higher $1,000 deductibles can save about $166 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,208
- Buying low deductibles for comp and collision coverage will cost $1,532
- High-risk insureds with multiple tickets or accidents could pay at least $2,616 or more
- The cost with full coverage for a teen driver can be $4,490 each year
Car insurance rates for a Toyota Corolla Cross can also vary considerably based on the trim level of your Corolla Cross, your risk profile, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $4,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $490 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Toyota Corolla Cross insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,630 on average in Michigan, New York, and Florida.
| 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% |
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different between companies.
| 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 Cheap Toyota Corolla Cross Insurance
Saving money on Toyota Corolla Cross insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at every other renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following list is a brief summary of the concepts that were raised in the charts and tables above.
- High-risk drivers that tend to have accidents or serious violations pay on average $1,410 more every year than a safer driver
- Drivers age 16 to 20 are the costliest to insure, costing up to $374 per month if comprehensive and collision insurance is included
- It is possible to save up to $150 per year simply by quoting online in advance
- Increasing deductibles could save up to $500 each year
- It is possible to save up to $150 per year simply by quoting online in advance
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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