Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average auto insurance rates for a Toyota Corolla Cross are $1,204 annually with full coverage. Comprehensive insurance costs on average $248 a year, collision costs $466, and liability insurance costs $354. A policy with just liability insurance costs as little as $406 a year, with coverage for high-risk drivers costing $2,608 or more. Teenage drivers pay the highest rates at $4,500 a year or more.

Average premium for full coverage: $1,204

Price estimates by individual coverage:

Comprehensive $248
Collision $466
Liability $354

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Corolla Cross trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Toyota Corolla Cross insurance prices go from as cheap as $406 for your basic liability-only policy to a high of $2,608 for a driver that may need high-risk insurance.

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

Geographic Price Range

Your location has a significant impact on auto insurance rates. Rural areas have fewer collision claims than densely populated cities.

The diagram below illustrates how where you live affects car insurance rates.

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

The ranges above demonstrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on 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.

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More Rate Information

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

  • The best discount rate is $692
  • Drivers who choose higher $1,000 deductibles will pay around $1,042 annually
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,204
  • Using low $100 deductibles for comprehensive and collision insurance costs an additional $316 a year
  • High risk drivers who are prone to accidents and violations could pay upwards of $2,608 or more
  • The price with full coverage for a teen driver 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 are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, 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 some driving violations or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $480 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Toyota Corolla Cross insurance rates. A 40-year-old driver could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay 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

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so the prices may be quite 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 Toyota Corolla Cross Insurance

Getting lower rates on Toyota Corolla Cross insurance not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to comparison shop once a year by getting price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a brief recap of the data that was touched on in the above illustrations.

  • You may be able to save as much as $150 per year simply by quoting early and online
  • Drivers who require increased liability limits will pay an extra $390 every year to go from a low limit to higher 250/500 limits
  • Drivers under the age of 20 pay the highest prices, costing up to $375 a month including comprehensive and collision insurance
  • High-risk drivers who tend to receive serious violations pay an average of $1,400 more each year to insure a Toyota Corolla Cross

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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