Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance prices for a Toyota Corolla Cross are $1,204 every 12 months for full coverage. Comprehensive costs an estimated $248 each year, collision costs $466, and liability is estimated at $354. Buying just liability costs approximately $406 a year, with insurance for high-risk drivers costing around $2,608. Teen drivers cost the most to insure at $4,500 a year or more.

Average premium for full coverage: $1,204

Policy rates broken down by type of insurance:

Comprehensive $248
Collision $466
Liability $354

Rate estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Corolla Cross models.

Price Range Variability

For a 40-year-old driver, Toyota Corolla Cross insurance rates go from the cheapest price of $406 for just the minimum liability insurance to a high rate of $2,608 for high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas.

The graphic below illustrates how your location can change insurance prices.

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

The examples above show why all drivers should get quotes for a targeted area and their own driving history, instead of making a decision based 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.

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Additional Rate Analysis

The chart below shows estimated Toyota Corolla Cross insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $692
  • Choosing higher $1,000 deductibles can save approximately $162 a year
  • The average price for a good driver age 40 who has $500 deductibles is $1,204
  • Choosing low deductibles for comp and collision coverage increases the price to $1,520
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,608 or more
  • Policy cost to insure a 16-year-old driver can cost as much as $4,500 each year

View Chart as Image

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

Insurance rates for a Toyota Corolla Cross also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing high deductibles can save as much as $480 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by 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 pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota Corolla Cross insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or as much as $1,720 on average in New York, Louisiana, 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

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so the rates will be varied.

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 Toyota Corolla Cross Insurance

Finding cheaper rates on insurance for a Toyota Corolla Cross takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every couple of years by requesting rates from direct carriers, and also from several local insurance agents.

The points below are a brief recap of the material that was illustrated above.

  • Insureds who want increased liability limits will pay about $390 each year to raise limits from a 30/60 limit to a 250/500 level
  • Drivers under the age of 20 are charged the highest rates, costing up to $375 each month if they have full coverage
  • Drivers considered higher risk who tend to receive serious violations pay on average $1,400 more annually to insure a Toyota Corolla Cross
  • Increasing comprehensive and collision deductibles could save as much as $475 each year

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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