Toyota Crown Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average insurance rates for a Toyota Crown are $1,542 a year for full coverage insurance. Comprehensive insurance costs on average $384 each year, collision costs $690, and liability is $332. A policy with just liability insurance costs around $388 a year, with coverage for high-risk drivers costing $3,332 or more. Teenage drivers receive the highest rates at $5,482 a year or more.
Average premium for full coverage: $1,542
Rate estimates by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Crown models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as low as $388 for just the minimum liability insurance to a high rate of $3,332 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why all drivers should compare rates quotes based on a specific location and risk profile, instead of 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.
Additional Rate Analysis
The chart below illustrates estimated Toyota Crown insurance rates for different risk profiles and scenarios.
- The best discount rate is $868
- Raising to $1,000 deductibles will save around $244 each year
- The average rate for a 40-year-old driver with $500 deductibles is $1,542
- Using low deductibles will cost an extra $476 every year
- At-risk drivers who are prone to accidents and violations could pay upwards of $3,332 or more
- The cost for full coverage for a teen driver may cost $5,482
Insurance rates for a Toyota Crown can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age
Where you live also has a big influence on Toyota Crown insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,080 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,394 | -$148 | -9.6% |
| Alaska | $1,184 | -$358 | -23.2% |
| Arizona | $1,280 | -$262 | -17.0% |
| Arkansas | $1,542 | -$0 | 0.0% |
| California | $1,758 | $216 | 14.0% |
| Colorado | $1,472 | -$70 | -4.5% |
| Connecticut | $1,584 | $42 | 2.7% |
| Delaware | $1,744 | $202 | 13.1% |
| Florida | $1,928 | $386 | 25.0% |
| Georgia | $1,426 | -$116 | -7.5% |
| Hawaii | $1,108 | -$434 | -28.1% |
| Idaho | $1,044 | -$498 | -32.3% |
| Illinois | $1,146 | -$396 | -25.7% |
| Indiana | $1,162 | -$380 | -24.6% |
| Iowa | $1,040 | -$502 | -32.6% |
| Kansas | $1,464 | -$78 | -5.1% |
| Kentucky | $2,104 | $562 | 36.4% |
| Louisiana | $2,282 | $740 | 48.0% |
| Maine | $952 | -$590 | -38.3% |
| Maryland | $1,274 | -$268 | -17.4% |
| Massachusetts | $1,230 | -$312 | -20.2% |
| Michigan | $2,678 | $1,136 | 73.7% |
| Minnesota | $1,292 | -$250 | -16.2% |
| Mississippi | $1,848 | $306 | 19.8% |
| Missouri | $1,370 | -$172 | -11.2% |
| Montana | $1,656 | $114 | 7.4% |
| Nebraska | $1,216 | -$326 | -21.1% |
| Nevada | $1,850 | $308 | 20.0% |
| New Hampshire | $1,112 | -$430 | -27.9% |
| New Jersey | $1,724 | $182 | 11.8% |
| New Mexico | $1,364 | -$178 | -11.5% |
| New York | $1,624 | $82 | 5.3% |
| North Carolina | $888 | -$654 | -42.4% |
| North Dakota | $1,266 | -$276 | -17.9% |
| Ohio | $1,062 | -$480 | -31.1% |
| Oklahoma | $1,582 | $40 | 2.6% |
| Oregon | $1,412 | -$130 | -8.4% |
| Pennsylvania | $1,470 | -$72 | -4.7% |
| Rhode Island | $2,058 | $516 | 33.5% |
| South Carolina | $1,398 | -$144 | -9.3% |
| South Dakota | $1,300 | -$242 | -15.7% |
| Tennessee | $1,348 | -$194 | -12.6% |
| Texas | $1,860 | $318 | 20.6% |
| Utah | $1,142 | -$400 | -25.9% |
| Vermont | $1,054 | -$488 | -31.6% |
| Virginia | $922 | -$620 | -40.2% |
| Washington | $1,192 | -$350 | -22.7% |
| West Virginia | $1,416 | -$126 | -8.2% |
| Wisconsin | $1,066 | -$476 | -30.9% |
| Wyoming | $1,374 | -$168 | -10.9% |
Using high physical damage deductibles can reduce rates by up to $720 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $299 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Crown | $384 | $690 | $332 | $1,542 |
| 2023 Toyota Crown | $370 | $686 | $338 | $1,530 |
Rates are averaged for all Toyota Crown 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 Affordable Toyota Crown Insurance
Saving money on car insurance consists of having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by quoting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following items are a brief review of the concepts that were covered above.
- Higher risk drivers with DUI or reckless driving convictions pay an average of $1,790 more each year than a driver with a clean driving record
- 16 to 18-year-old drivers pay higher rates, costing up to $457 per month including comprehensive and collision insurance
- It is possible to save as much as $190 per year simply by quoting online in advance
- Increasing deductibles can save around $725 each year
- It is possible to save as much as $190 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,482 |
| 20 | $3,542 |
| 30 | $1,628 |
| 40 | $1,542 |
| 50 | $1,404 |
| 60 | $1,380 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,018 |
| $250 | $1,798 |
| $500 | $1,542 |
| $1,000 | $1,298 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,542 |
| 50/100 | $1,608 |
| 100/300 | $1,691 |
| 250/500 | $1,907 |
| 100 CSL | $1,642 |
| 300 CSL | $1,824 |
| 500 CSL | $1,957 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,880 |
| 20 | $5,634 |
| 30 | $3,428 |
| 40 | $3,332 |
| 50 | $3,172 |
| 60 | $3,144 |
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 | $84 |
| Multi-vehicle | $79 |
| Homeowner | $21 |
| 5-yr Accident Free | $121 |
| 5-yr Claim Free | $101 |
| Paid in Full/EFT | $77 |
| Advance Quote | $79 |
| Online Quote | $112 |
| Total Discounts | $674 |
Discounts are estimated and may not be available from every company or in every state.
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