Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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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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Average insurance prices for a Toyota Corolla Cross are $1,204 every 12 months including full coverage. Comprehensive costs approximately $248 a year, collision insurance costs $466, and liability coverage costs around $354. A policy with just liability insurance costs as low as $406 a year, and coverage for high-risk drivers costs around $2,608. Teenage drivers receive the highest rates at up to $4,500 a year.
Average premium for full coverage: $1,204
Rate estimates by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Corolla Cross trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the cheapest price of $406 for the bare minimum liability coverage to a high of $2,608 for a high-risk driver policy.
Price Range by Location
Where you live has a large influence on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.
These examples highlight why it is important to compare prices using their 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.
Additional Rate Information
The chart below breaks down average Toyota Corolla Cross insurance rates for additional coverage and risk scenarios.
- The best discount rate is $692
- Using higher $1,000 deductibles will save $1,042 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,204
- Using low $100 deductibles for physical damage coverage increases the price to $1,520
- Higher-risk drivers who are prone to accidents and violations could pay around $2,608
- The cost to insure a teenage driver can cost $4,500 or more
Insurance rates for a Toyota Corolla Cross can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Corolla Cross.
Using high physical damage deductibles could cut rates by as much as $480 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be around 44% to 130% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Toyota Corolla Cross insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,720 on average in Louisiana, New York, and Michigan.
| 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 Shop for the Best Cheap Toyota Corolla Cross Insurance
Saving money on auto insurance requires having a decent driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates every time your policy renews by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The following items are a quick review of the information touched on in this article.
- You may be able to save around $150 per year just by quoting early and online
- 16 to 18-year-old drivers are the costliest to insure, as much as $375 per month if full coverage is included
- Increasing deductibles could save as much as $475 each year
- Drivers with a DUI or reckless driving violation could be charged and average of $1,400 more per year than a driver with a clean driving record
- Consumers who purchase additional liability coverage will pay an extra $390 per year to increase from a minimum limit to a 250/500 level
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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