Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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Average auto insurance rates for a Toyota Corolla Cross are $1,204 annually including full coverage. Comprehensive costs on average $248, collision insurance costs $466, and liability coverage is estimated at $354. A policy with just liability insurance costs approximately $406 a year, and coverage for high-risk drivers costs around $2,608. Teens receive the highest rates at up to $4,500 a year.

Average premium for full coverage: $1,204

Rate estimates by individual coverage type:

Comprehensive $248
Collision $466
Liability $354

Includes $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different Corolla Cross trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from as cheap as $406 for your basic liability-only policy to a much higher rate of $2,608 for a driver required to buy high-risk insurance.

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

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects car insurance rates.

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

These examples highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than using averaged prices.

Use the form below to get customized rates for your location.

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More Rate Information

The chart below breaks down average Toyota Corolla Cross insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $692
  • Choosing higher $1,000 deductibles can save around $162 every year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,204
  • Selecting more expensive low deductibles for comp and collision coverage will cost $1,520
  • Drivers with serious driving violations could pay upwards of $2,608
  • The cost with full coverage for a teenage driver with full coverage may cost $4,500 each year

View Chart as Image

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

Insurance rates for a Toyota Corolla Cross can also vary considerably based on the trim level of your Corolla Cross, your driving characteristics, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance ranges around 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $480 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Toyota Corolla Cross insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,720 on average in Michigan, New York, and Louisiana.

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 Buy the Cheapest Toyota Corolla Cross Insurance

Saving money on auto insurance takes not taking risks behind the wheel, having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a recap of the data presented in the illustrations above.

  • Consumers who require higher liability limits will pay approximately $390 per year to raise limits from a minimum limit to higher 250/500 limits
  • You may be able to save as much as $150 per year just by shopping early and online
  • Increasing deductibles could save up to $475 each year
  • Teens pay higher rates, as much as $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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