Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a Toyota Corolla Cross are $1,204 annually with full coverage. Comprehensive insurance costs on average $248, collision costs $466, and liability costs $354. Liability-only coverage costs as little as $406 a year, with high-risk coverage costing $2,608 or more. 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:

Comprehensive $248
Collision $466
Liability $354

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. 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 as cheap as $406 for just liability coverage to the much higher price of $2,608 for high-risk insurance.

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

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than larger metro areas.

The example below illustrates how location helps determine car insurance rates.

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

These rate differences demonstrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based 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.

Detailed Rate Analysis

The chart below details estimated Toyota Corolla Cross insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $692
  • Drivers who choose higher $1,000 deductibles will pay around $162 annually
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,204
  • Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $316 annually
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,608 or more
  • An auto insurance policy with full coverage for a 16-year-old driver for full coverage may cost $4,500 a year

View Chart as Image

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

Insurance prices for a Toyota Corolla Cross also have a wide range based on the model of your Corolla Cross, your driving record, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 extra annually, depending on your age. Toyota Corolla Cross insurance for high-risk drivers can cost from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $480 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Toyota Corolla Cross insurance prices. A 40-year-old driver could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,620 on average in Florida, Michigan, and New York.

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

With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Every company uses a different rate calculation, so the prices will be substantially different between companies.

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 Buy the Best Cheap Toyota Corolla Cross Insurance

Finding better rates on insurance for a Toyota Corolla Cross not only requires being a safe and courteous driver, but also having a good credit history, being claim-free, and bundling your home and auto policies. Invest time comparing rates every couple of years by requesting rates from direct companies, and also from local independent and exclusive agents.

Below is a quick review of the material that was covered in the charts and tables above.

  • Insureds who require higher levels of liability will pay about $390 every year to go from 30/60 bodily injury limits to higher 250/500 limits
  • Teenage drivers pay the highest prices, possibly costing $375 per month including comprehensive and collision insurance
  • Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,400 more each year for auto insurance
  • Increasing policy deductibles could save up to $475 each year

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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