Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance prices for a Toyota Corolla Cross are $1,208 every 12 months including full coverage. Comprehensive costs around $256 each year, collision costs $478, and liability coverage is estimated at $338. A policy with only liability insurance costs approximately $394 a year, with a high-risk policy costing around $2,616. Teen drivers pay the most at $4,490 a year or more.

Average premium for full coverage: $1,208

Premium estimates for type of coverage:

Comprehensive $256
Collision $478
Liability $338

Full coverage includes $500 physical damage deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Corolla Cross models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Toyota Corolla Cross go from the cheapest price of $394 for a discount liability-only rate to a high rate of $2,616 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location impacts auto insurance rates.

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

These rate differences highlight why all drivers should get quotes for a specific zip code and their own driving history, rather than using 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.

Rates by State, City, and Model

The chart below breaks down estimated Toyota Corolla Cross insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $694
  • Choosing higher $1,000 deductibles can save about $166 every year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,208
  • Choosing low deductibles for comp and collision coverage increases the price to $1,532
  • Drivers with multiple violations and an at-fault accident could pay at least $2,616 or more
  • An auto insurance policy to insure a teenage driver can be $4,490 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 $694 to $4,490

Car insurance prices for a Toyota Corolla Cross also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles can save as much as $490 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers ranges around 45% to 129% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Toyota Corolla Cross insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,720 on average in Michigan, New York, and Louisiana.

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

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes will be substantially different.

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 Shop for More Affordable Toyota Corolla Cross Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Spend time shopping around at least once a year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a summary of the primary concepts that were touched on above.

  • You may be able to save up to $150 per year simply by quoting online in advance
  • Drivers who have multiple accidents or major violations could be forced to pay on average $1,410 more every year for auto insurance
  • Increasing policy deductibles could save as much as $500 each year
  • Teenage drivers are the costliest to insure, with the cost nearing $374 per month if the policy includes full coverage

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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