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 rates for a Toyota Corolla Cross are $1,204 a year for full coverage insurance. Comprehensive costs on average $248, collision costs $466, and liability insurance is $354. A policy with only liability insurance costs around $406 a year, with a high-risk policy costing around $2,608. Teens pay the most at $4,500 a year or more.
Average premium for full coverage: $1,204
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Corolla Cross models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota Corolla Cross go from the low end price of $406 for a discount liability-only rate to the much higher price of $2,608 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.
The example below illustrates how location helps determine car insurance rates.
These rate differences illustrate why everyone should compare rates quotes based on a specific location, rather than relying on averaged prices.
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.
Rates by State, City, and Model
The chart below illustrates estimated Toyota Corolla Cross insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $692
- Raising to $1,000 deductibles will save around $162 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,204
- Selecting pricier low deductibles bumps up the cost to $1,520
- Higher-risk drivers with serious driving violations could pay upwards of $2,608 or more
- An auto insurance policy that insures a teen driver for full coverage may cost $4,500
Car insurance prices for a Toyota Corolla Cross also have a wide range based on the model of your Corolla Cross, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Toyota Corolla Cross insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,500 a year. View Rates by Age
Where you choose to live also has a big influence on Toyota Corolla Cross insurance rates. A middle-age driver might find prices as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $480 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes 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 Find the Best Toyota Corolla Cross Insurance
Finding better rates on Toyota Corolla Cross insurance consists of avoiding accidents and claims, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates once a year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The points below are a brief recap of the data that was covered in the charts and tables above.
- It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date
- Drivers who require increased liability limits will pay approximately $390 annually to raise from 30/60 bodily injury limits to the 250/500 level
- Drivers under the age of 20 are expensive to insure, with premiums being up to $375 per month if full coverage is purchased
- High-risk drivers who tend to receive serious violations may pay on average $1,400 more each year to insure a Toyota Corolla Cross
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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