Toyota Corolla Cross Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Toyota Corolla Cross are $1,218 every 12 months with full coverage. Comprehensive costs approximately $268 each year, collision costs $482, and liability costs $332. Liability-only coverage costs as little as $388 a year, with high-risk coverage costing around $2,624. 16-year-old drivers pay the highest rates at $4,486 a year or more.
Average premium for full coverage: $1,218
Price estimates by individual coverage:
These estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Corolla Cross models.
Price Range from Low to High
For a 40-year-old driver, Toyota Corolla Cross insurance prices go from the cheapest price of $388 for just the minimum liability insurance to a high rate of $2,624 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than congested cities.
The graphic below illustrates how your location can change auto insurance prices.
The ranges above demonstrate why all drivers should compare rates using their specific location and their own driving history, instead of using rate 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.
Additional Rate Analysis
The chart below details estimated Toyota Corolla Cross insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $698
- Drivers who choose higher $1,000 deductibles will pay $170 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,218
- Buying low deductibles for comprehensive and collision insurance increases the price to $1,546
- Higher-risk drivers with multiple tickets or accidents could pay around $2,624 or more
- The price to insure a teen driver can cost $4,486 a year
Auto insurance prices for a Toyota Corolla Cross are also quite variable based on deductibles and policy limits, your driving record, and the model of your Corolla Cross.
Opting for high physical damage deductibles could save up to $500 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $299 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 128% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Toyota Corolla Cross insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or at least $1,640 on average in New York, Michigan, and Florida.
| 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% |
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Every company utilizes a different rate formula, and quoted prices may be quite different.
| 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 Shop for Cheap Toyota Corolla Cross Insurance
Getting lower rates on car insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to shop around at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a brief summary of the data illustrated above.
- Policyholders who purchase an increased level of liability coverage will pay around $370 every year to go from a low limit to a 250/500 level
- You may be able to save around $150 per year simply by quoting online in advance
- Increasing physical damage deductibles could save as much as $500 each year
- Drivers age 16 to 20 have the highest car insurance prices, costing up to $374 a month if comprehensive and collision insurance is included
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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