Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance prices for a Toyota Corolla Cross are $1,204 every 12 months for full coverage insurance. Comprehensive costs around $248 each year, collision insurance costs $466, and liability costs around $354. A policy with just liability insurance costs as low as $406 a year, and coverage for high-risk drivers costs around $2,608. Teenage drivers receive the highest rates at up to $4,500 a year.

Average premium for full coverage: $1,204

Rate estimates for individual coverage type:

Comprehensive $248
Collision $466
Liability $354

Rates are based on $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Corolla Cross models.

Price Range by Coverage and Risk

For the average driver, prices range range from the cheapest price of $406 for the bare minimum liability coverage to a high rate of $2,608 for a policy for a high-risk driver.

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

Price Range by Location

Where you live can have significant affects on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

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

These examples illustrate why all drivers should compare prices for a specific zip code and their own driving history, instead of 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.

Additional Rate Information

The chart below illustrates average 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 each year
  • The average price for a 40-year-old driver using $500 deductibles is $1,204
  • Using low deductibles for physical damage coverage increases the price to $1,520
  • Drivers who are prone to accidents and violations could pay at least $2,608
  • The cost to insure a teen driver can be $4,500 or more

View Chart as Image

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

Insurance rates for a Toyota Corolla Cross can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $480 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Toyota Corolla Cross insurance prices. A driver around age 40 might see rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

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
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 Shop for the Best Cheap Toyota Corolla Cross Insurance

Saving money on car insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around every year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a quick review of the coverage data touched on above.

  • It is possible to save up to $150 per year just by quoting online in advance
  • Increasing deductibles could save as much as $475 each year
  • Teens are charged the highest rates, costing up to $375 per month if full coverage is included
  • Higher risk drivers with a DUI or reckless driving violation may pay on average $1,400 more every year for Corolla Cross insurance

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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