Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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The average auto insurance rates for a Toyota Corolla Cross are $1,204 annually for full coverage insurance. Comprehensive costs approximately $248, collision insurance costs $466, and liability insurance costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs around $2,608. Teens cost the most to insure at up to $4,500 a year.

Average premium for full coverage: $1,204

Policy rates by type of insurance:

Comprehensive $248
Collision $466
Liability $354

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Corolla Cross trim levels.

Price Range Variability

For the average 40-year-old driver, Toyota Corolla Cross insurance rates range from as cheap as $406 for just the minimum liability insurance to a much higher rate of $2,608 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance prices.

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

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

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Additional Rate Analysis

The chart below illustrates average Toyota Corolla Cross insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $692
  • Using higher $1,000 deductibles will save $162 each year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,204
  • Selecting more expensive low deductibles for physical damage coverage will cost $1,520
  • Drivers with serious driving violations could pay around $2,608
  • Policy cost with full coverage for a teen driver with full coverage can cost $4,500 or more

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 also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $480 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Corolla Cross insurance rates. A driver around age 40 might see rates as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,620 on average in Florida, New York, and Michigan.

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 Low Cost Toyota Corolla Cross Insurance

Finding cheaper rates on Toyota Corolla Cross insurance requires having a good driving record, having good credit, being claim-free, and consideration of higher deductibles. Make time to compare rates every time your policy renews by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a review of the information touched on in this article.

  • It is possible to save around $150 per year just by shopping early and online
  • Drivers age 20 and younger are the costliest to insure, possibly costing $375 each month if they have full coverage
  • Increasing comprehensive and collision deductibles could save up to $475 each year
  • High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,400 more per year to buy Toyota Corolla Cross insurance
  • Drivers who purchase increased levels of liability coverage will pay approximately $390 annually to increase from a 30/60 limit to higher 250/500 limits

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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