Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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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...
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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 on average $248, collision costs $466, and liability insurance costs around $354. Liability-only coverage costs as low as $406 a year, with high-risk coverage costing around $2,608. Teen drivers pay the most at $4,500 a year or more.
Average premium for full coverage: $1,204
Premium estimates by type of coverage:
Prices are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different Corolla Cross trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Toyota Corolla Cross go from the cheapest price of $406 for your basic liability-only policy to a much higher rate of $2,608 for high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.
The price range example below illustrates the difference location can make on car insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on price 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 breaks down estimated Toyota Corolla Cross insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $692
- Using higher $1,000 deductibles will save around $162 every year
- The average price for a 40-year-old good driver with $500 deductibles is $1,204
- Choosing more expensive low deductibles for physical damage coverage increases the price to $1,520
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,608 or more
- An auto insurance policy to insure a teen driver with full coverage may cost $4,500 or more
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 trim level of your Corolla Cross.
Choosing high deductibles could cut prices by as much as $480 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay upwards of $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 at a minimum $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 130% more than average. View High Risk Driver Rates
Where you choose to live has a huge impact on Toyota Corolla Cross insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,720 on average in Michigan, New York, and Louisiana.
| 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 exactly what you will pay is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so the prices 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 Affordable Toyota Corolla Cross Insurance
Finding better rates on Toyota Corolla Cross insurance requires being a safe and courteous driver, having good credit, refrain from filing small claims, and bundling your home and auto policies. Make time to compare rates every couple of years by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.
Below is a brief review of the material that was touched on in this article.
- Drivers who require higher levels of liability will pay about $390 per year to increase from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers pay the highest prices, with the cost nearing $375 per month if they have full coverage
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,400 more each year for auto insurance
- Increasing policy deductibles could save as much as $475 each year
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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