Toyota Corolla Cross Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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U.S. average auto insurance rates for a Toyota Corolla Cross are $1,204 annually with full coverage. Comprehensive insurance costs around $248, collision insurance costs $466, and liability insurance is estimated at $354. Liability-only insurance costs approximately $406 a year, and high-risk driver insurance costs $2,608 or more. Teen drivers pay the highest rates at up to $4,500 a year.
Average premium for full coverage: $1,204
Price estimates for individual coverage:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all Corolla Cross models.
Price Range from Low to High
For a driver around age 40, Toyota Corolla Cross insurance prices range from as cheap as $406 for minimum levels of liability insurance to the much higher price of $2,608 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above demonstrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying 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.
Additional Rate Details
The chart below details average Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $692
- Choosing higher $1,000 deductibles can save about $162 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,204
- Choosing pricier low deductibles for comp and collision coverage costs an additional $316 a year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,608
- The price with full coverage for a teen driver for full coverage can be $4,500 each year
Car insurance prices for a Toyota Corolla Cross are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $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 least $1,400 to $2,000 extra each year, depending on your age. Toyota Corolla Cross insurance for high-risk drivers ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $480 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Toyota Corolla Cross insurance rates. A good driver about age 40 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.
| 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% |
| 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
Getting lower rates on Toyota Corolla Cross insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a quick review of the ideas that were covered above.
- 16 to 18-year-old drivers are the costliest to insure, costing up to $375 a month if comprehensive and collision insurance is included
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,400 more every year than a driver with a clean driving record
- Increasing physical damage deductibles could save up to $475 each year
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
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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