Toyota Corolla Cross Insurance Rates

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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 with full coverage. Comprehensive insurance costs on average $248 each year, collision insurance costs $466, and liability coverage costs $354. Liability-only coverage costs as little as $406 a year, and high-risk coverage costs $2,608 or more. Teenage drivers pay the most at up to $4,500 a year.

Average premium for full coverage: $1,204

Premium estimates by type of coverage:

Comprehensive $248
Collision $466
Liability $354

Rates are based on $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Corolla Cross models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Toyota Corolla Cross range from the cheapest price of $406 for a discount liability-only rate to a high rate of $2,608 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.

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

These rate differences demonstrate why all drivers should compare rates based on a specific location and their own driving history, rather than 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.

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Rates by State, City, and Model

The chart below details average 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 $162 annually
  • The average price for a 40-year-old good driver with $500 deductibles is $1,204
  • Using low deductibles for comprehensive and collision insurance costs an extra $316 each year
  • High-risk insureds who are prone to accidents and violations could pay upwards of $2,608
  • An auto insurance policy to insure a teenage driver may cost $4,500 a year

View Chart as Image

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

Insurance prices for a Toyota Corolla Cross also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Corolla Cross.

Using high physical damage deductibles could save up to $480 a year, whereas increasing liability limits will cost you more. Moving 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

More mature drivers with a clean driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher 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 may be forking out at a minimum $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live 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
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

Finding better rates on auto insurance not only requires having a good driving record, but also having good credit, being claim-free, and determing if full coverage is necessary. Invest the time to compare rates at every policy renewal by getting rate quotes from direct companies, and also from local exclusive and independent agents.

The next list is a quick review of the data presented in the illustrations above.

  • Consumers who require increased levels of liability coverage will pay an extra $390 every year to go from 30/60 bodily injury limits to a 250/500 level
  • You may be able to save as much as $150 per year just by quoting online in advance
  • Increasing policy deductibles could save as much as $475 each year
  • Drivers age 20 and younger pay the highest prices, possibly costing $375 per month if they have full coverage

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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