Toyota Corolla Cross Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Toyota Corolla Cross are $1,218 annually for full coverage. Comprehensive costs on average $268 a year, collision insurance costs $482, and liability coverage is estimated at $332. A policy with just liability insurance costs approximately $388 a year, and coverage for high-risk drivers costs around $2,624. Teenage drivers pay the highest rates at up to $4,486 a year.
Average premium for full coverage: $1,218
Price estimates by individual coverage:
These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Corolla Cross trim levels.
Price Range from Low to High
For a driver around age 40, Toyota Corolla Cross insurance prices range from as cheap as $388 for basic liability insurance to a high of $2,624 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas have fewer accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above show why it is important to get quotes based on a specific location and their own personal driving habits, 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.
Rate Comparisons
The chart below shows average Toyota Corolla Cross insurance rates for different risk profiles and scenarios.
- The best discount rate is $698
- Choosing higher $1,000 deductibles can save around $1,048 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,218
- Using low $100 deductibles for comp and collision coverage will cost $1,546
- Drivers who are prone to accidents and violations could pay upwards of $2,624
- The price with full coverage for a teenage driver may cost $4,486 each year
Insurance prices for a Toyota Corolla Cross are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges around 45% to 128% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $500 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $299 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Toyota Corolla Cross insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,730 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,098 | -$120 | -9.9% |
Alaska | $932 | -$286 | -23.5% |
Arizona | $1,008 | -$210 | -17.2% |
Arkansas | $1,218 | -$0 | 0.0% |
California | $1,384 | $166 | 13.6% |
Colorado | $1,160 | -$58 | -4.8% |
Connecticut | $1,246 | $28 | 2.3% |
Delaware | $1,372 | $154 | 12.6% |
Florida | $1,518 | $300 | 24.6% |
Georgia | $1,124 | -$94 | -7.7% |
Hawaii | $874 | -$344 | -28.2% |
Idaho | $824 | -$394 | -32.3% |
Illinois | $904 | -$314 | -25.8% |
Indiana | $916 | -$302 | -24.8% |
Iowa | $818 | -$400 | -32.8% |
Kansas | $1,152 | -$66 | -5.4% |
Kentucky | $1,656 | $438 | 36.0% |
Louisiana | $1,798 | $580 | 47.6% |
Maine | $748 | -$470 | -38.6% |
Maryland | $1,002 | -$216 | -17.7% |
Massachusetts | $968 | -$250 | -20.5% |
Michigan | $2,110 | $892 | 73.2% |
Minnesota | $1,018 | -$200 | -16.4% |
Mississippi | $1,454 | $236 | 19.4% |
Missouri | $1,080 | -$138 | -11.3% |
Montana | $1,306 | $88 | 7.2% |
Nebraska | $958 | -$260 | -21.3% |
Nevada | $1,456 | $238 | 19.5% |
New Hampshire | $874 | -$344 | -28.2% |
New Jersey | $1,358 | $140 | 11.5% |
New Mexico | $1,074 | -$144 | -11.8% |
New York | $1,278 | $60 | 4.9% |
North Carolina | $698 | -$520 | -42.7% |
North Dakota | $996 | -$222 | -18.2% |
Ohio | $836 | -$382 | -31.4% |
Oklahoma | $1,246 | $28 | 2.3% |
Oregon | $1,114 | -$104 | -8.5% |
Pennsylvania | $1,158 | -$60 | -4.9% |
Rhode Island | $1,620 | $402 | 33.0% |
South Carolina | $1,102 | -$116 | -9.5% |
South Dakota | $1,026 | -$192 | -15.8% |
Tennessee | $1,064 | -$154 | -12.6% |
Texas | $1,466 | $248 | 20.4% |
Utah | $900 | -$318 | -26.1% |
Vermont | $828 | -$390 | -32.0% |
Virginia | $726 | -$492 | -40.4% |
Washington | $938 | -$280 | -23.0% |
West Virginia | $1,116 | -$102 | -8.4% |
Wisconsin | $840 | -$378 | -31.0% |
Wyoming | $1,082 | -$136 | -11.2% |
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Toyota Corolla Cross | $280 | $500 | $316 | $1,232 |
2023 Toyota Corolla Cross | $268 | $482 | $332 | $1,218 |
2022 Toyota Corolla Cross | $256 | $478 | $338 | $1,208 |
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 Cheap Toyota Corolla Cross Insurance
Getting lower rates on auto insurance takes avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and determing if full coverage is necessary. Set aside time to compare rates every other policy renewal by getting price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The points below are a brief summary of the ideas that were covered above.
- Drivers under the age of 20 pay the highest prices, with premiums as much as $374 a month including comprehensive and collision insurance
- Drivers that tend to have accidents or serious violations may be required to pay an average of $1,410 more each year to insure a Toyota Corolla Cross
- Increasing physical damage deductibles could save up to $500 each year
- Drivers can save as much as $150 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,486 |
20 | $2,800 |
30 | $1,270 |
40 | $1,218 |
50 | $1,110 |
60 | $1,090 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,546 |
$250 | $1,392 |
$500 | $1,218 |
$1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,218 |
50/100 | $1,284 |
100/300 | $1,367 |
250/500 | $1,583 |
100 CSL | $1,318 |
300 CSL | $1,500 |
500 CSL | $1,633 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,408 |
20 | $4,452 |
30 | $2,686 |
40 | $2,624 |
50 | $2,502 |
60 | $2,478 |
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 | $65 |
Multi-vehicle | $63 |
Homeowner | $17 |
5-yr Accident Free | $91 |
5-yr Claim Free | $79 |
Paid in Full/EFT | $57 |
Advance Quote | $61 |
Online Quote | $87 |
Total Discounts | $520 |
Discounts are estimated and may not be available from every company or in every state.
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