Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Toyota Corolla Cross are $1,208 a year for full coverage. Comprehensive insurance costs approximately $256 each year, collision costs $478, and liability costs around $338. Liability-only insurance costs as low as $394 a year, with high-risk driver insurance costing $2,616 or more. Teens pay the highest rates at $4,490 a year or more.

Average premium for full coverage: $1,208

Price estimates by individual coverage:

Comprehensive $256
Collision $478
Liability $338

Rates are based on $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Corolla Cross models.

Price Range from Low to High

For a 40-year-old driver, Toyota Corolla Cross insurance prices go from as low as $394 for just liability coverage to a high rate of $2,616 for a driver that may need high-risk insurance.

Liability Only $394
Full Coverage $1,208
High Risk $2,616

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural locations have a lower frequency of accident claims than cities with more traffic congestion.

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

Rural Areas $906
Small Cities $1,268
Large Cities $1,631

The ranges above show why all drivers should compare prices using their specific location and risk profile, instead of using averaged prices.

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.

Detailed Rate Analysis

The chart below shows estimated Toyota Corolla Cross insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $694
  • Using higher $1,000 deductibles will save $166 a year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,208
  • Selecting low deductibles for physical damage coverage will cost an extra $324 every year
  • Drivers with serious driving violations could pay around $2,616 or more
  • The price for full coverage for a teen driver can cost $4,490 or more

View Chart as Image

Toyota Corolla Cross insurance cost comparison chart
Column chart showing full coverage Toyota Corolla Cross insurance prices range from $694 to $4,490

Car insurance prices for a Toyota Corolla Cross are also quite variable based on your driving record, the trim level of your Corolla Cross, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $4,400 a year. View Rates by Age

The state you live in has a huge impact on Toyota Corolla Cross insurance prices. A driver around age 40 might see prices as low as $800 a year in states like Iowa, Maine, and Idaho, or have to pay at least $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 $1,092 -$116 -9.6%
Alaska $926 -$282 -23.3%
Arizona $1,002 -$206 -17.1%
Arkansas $1,208 -$0 0.0%
California $1,376 $168 13.9%
Colorado $1,154 -$54 -4.5%
Connecticut $1,240 $32 2.6%
Delaware $1,366 $158 13.1%
Florida $1,508 $300 24.8%
Georgia $1,114 -$94 -7.8%
Hawaii $868 -$340 -28.1%
Idaho $820 -$388 -32.1%
Illinois $900 -$308 -25.5%
Indiana $912 -$296 -24.5%
Iowa $814 -$394 -32.6%
Kansas $1,148 -$60 -5.0%
Kentucky $1,648 $440 36.4%
Louisiana $1,788 $580 48.0%
Maine $746 -$462 -38.2%
Maryland $998 -$210 -17.4%
Massachusetts $964 -$244 -20.2%
Michigan $2,096 $888 73.5%
Minnesota $1,012 -$196 -16.2%
Mississippi $1,448 $240 19.9%
Missouri $1,072 -$136 -11.3%
Montana $1,296 $88 7.3%
Nebraska $950 -$258 -21.4%
Nevada $1,448 $240 19.9%
New Hampshire $870 -$338 -28.0%
New Jersey $1,350 $142 11.8%
New Mexico $1,068 -$140 -11.6%
New York $1,270 $62 5.1%
North Carolina $696 -$512 -42.4%
North Dakota $990 -$218 -18.0%
Ohio $834 -$374 -31.0%
Oklahoma $1,240 $32 2.6%
Oregon $1,108 -$100 -8.3%
Pennsylvania $1,152 -$56 -4.6%
Rhode Island $1,610 $402 33.3%
South Carolina $1,094 -$114 -9.4%
South Dakota $1,018 -$190 -15.7%
Tennessee $1,056 -$152 -12.6%
Texas $1,456 $248 20.5%
Utah $894 -$314 -26.0%
Vermont $826 -$382 -31.6%
Virginia $724 -$484 -40.1%
Washington $932 -$276 -22.8%
West Virginia $1,108 -$100 -8.3%
Wisconsin $834 -$374 -31.0%
Wyoming $1,074 -$134 -11.1%

View Chart as Image

Toyota Corolla Cross insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $490 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 129% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, so rate quotes may be quite different from one company to the next.

Toyota Corolla Cross Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Corolla Cross $268 $482 $332 $1,218
2023 Toyota Corolla Cross $256 $478 $338 $1,208
2022 Toyota Corolla Cross $248 $466 $354 $1,204

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 Find the Best Cheap Toyota Corolla Cross Insurance

Getting lower rates on car insurance requires having a good driving record, having above-average credit, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to shop around once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a quick review of the data that was illustrated above.

  • Drivers can save around $150 per year simply by quoting online in advance
  • Policyholders who purchase increased levels of liability coverage will pay approximately $370 each year to increase from a low limit to 250/500 limits
  • Drivers age 20 and younger pay the highest auto insurance prices, with premiums as much as $374 a month if full coverage is included
  • Higher risk drivers with a DUI or reckless driving violation may pay on average $1,410 more per year to buy Toyota Corolla Cross insurance

Rates by Driver Age

Toyota Corolla Cross Insurance Rates by Driver Age
Driver Age Premium
16 $4,490
20 $2,792
30 $1,260
40 $1,208
50 $1,104
60 $1,084

Full coverage, $500 deductibles

Rates by Deductible

Toyota Corolla Cross Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,532
$250 $1,382
$500 $1,208
$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 $1,208
50/100 $1,276
100/300 $1,360
250/500 $1,580
100 CSL $1,309
300 CSL $1,495
500 CSL $1,631

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Corolla Cross Insurance Rates for High Risk Drivers
Age Premium
16 $6,410
20 $4,442
30 $2,674
40 $2,616
50 $2,494
60 $2,472

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 $17
5-yr Accident Free $90
5-yr Claim Free $78
Paid in Full/EFT $56
Advance Quote $60
Online Quote $86
Total Discounts $514
Rate after discounts $694

Discounts are estimated and may not be available from every company or in every state.

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