Toyota Crown Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance prices for a Toyota Crown are $1,530 every 12 months including full coverage. Comprehensive insurance costs an estimated $370 each year, collision costs $686, and liability coverage costs around $338. A liability-only policy costs as low as $394 a year, with high-risk insurance costing $3,310 or more. Teenage drivers cost the most to insure at $5,472 a year or more.
Average premium for full coverage: $1,530
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Crown models.
Price Range Variability
For a driver in their 40's, Toyota Crown insurance rates go from the cheapest price of $394 for basic liability insurance to a high rate of $3,310 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.
The graphic below illustrates how location helps determine insurance prices.
The examples above highlight why all drivers should compare prices for a targeted area and their own driving history, 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 breaks down estimated Toyota Crown insurance rates for other coverage scenarios.
- The best discount rate is $858
- Using higher $1,000 deductibles will save approximately $242 every year
- The average price for a good driver age 40 who has $500 deductibles is $1,530
- Using low deductibles for physical damage coverage costs an extra $464 each year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,310 or more
- Policy cost to insure a teenage driver can cost as much as $5,472 or more
Car insurance rates for a Toyota Crown also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles could cut rates by as much as $710 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by 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 $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can be around 44% to 131% more than a normal policy. View High Risk Driver Rates
Your home state has a huge impact on Toyota Crown insurance rates. A driver around age 40 might see rates as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,180 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,382 | -$148 | -9.7% |
| Alaska | $1,174 | -$356 | -23.3% |
| Arizona | $1,268 | -$262 | -17.1% |
| Arkansas | $1,530 | -$0 | 0.0% |
| California | $1,742 | $212 | 13.9% |
| Colorado | $1,458 | -$72 | -4.7% |
| Connecticut | $1,570 | $40 | 2.6% |
| Delaware | $1,730 | $200 | 13.1% |
| Florida | $1,910 | $380 | 24.8% |
| Georgia | $1,412 | -$118 | -7.7% |
| Hawaii | $1,100 | -$430 | -28.1% |
| Idaho | $1,036 | -$494 | -32.3% |
| Illinois | $1,138 | -$392 | -25.6% |
| Indiana | $1,152 | -$378 | -24.7% |
| Iowa | $1,030 | -$500 | -32.7% |
| Kansas | $1,450 | -$80 | -5.2% |
| Kentucky | $2,084 | $554 | 36.2% |
| Louisiana | $2,262 | $732 | 47.8% |
| Maine | $944 | -$586 | -38.3% |
| Maryland | $1,262 | -$268 | -17.5% |
| Massachusetts | $1,220 | -$310 | -20.3% |
| Michigan | $2,654 | $1,124 | 73.5% |
| Minnesota | $1,282 | -$248 | -16.2% |
| Mississippi | $1,830 | $300 | 19.6% |
| Missouri | $1,356 | -$174 | -11.4% |
| Montana | $1,640 | $110 | 7.2% |
| Nebraska | $1,202 | -$328 | -21.4% |
| Nevada | $1,832 | $302 | 19.7% |
| New Hampshire | $1,102 | -$428 | -28.0% |
| New Jersey | $1,708 | $178 | 11.6% |
| New Mexico | $1,352 | -$178 | -11.6% |
| New York | $1,608 | $78 | 5.1% |
| North Carolina | $880 | -$650 | -42.5% |
| North Dakota | $1,252 | -$278 | -18.2% |
| Ohio | $1,052 | -$478 | -31.2% |
| Oklahoma | $1,568 | $38 | 2.5% |
| Oregon | $1,400 | -$130 | -8.5% |
| Pennsylvania | $1,458 | -$72 | -4.7% |
| Rhode Island | $2,038 | $508 | 33.2% |
| South Carolina | $1,384 | -$146 | -9.5% |
| South Dakota | $1,290 | -$240 | -15.7% |
| Tennessee | $1,338 | -$192 | -12.5% |
| Texas | $1,842 | $312 | 20.4% |
| Utah | $1,132 | -$398 | -26.0% |
| Vermont | $1,044 | -$486 | -31.8% |
| Virginia | $916 | -$614 | -40.1% |
| Washington | $1,180 | -$350 | -22.9% |
| West Virginia | $1,400 | -$130 | -8.5% |
| Wisconsin | $1,056 | -$474 | -31.0% |
| Wyoming | $1,360 | -$170 | -11.1% |

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Crown | $370 | $686 | $338 | $1,530 |
| 2023 Toyota Crown | $356 | $668 | $354 | $1,514 |
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 Shop for the Best Toyota Crown Insurance
Finding cheaper rates on auto insurance requires avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates every other policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.
The points below are a brief recap of the ideas that were covered in the charts and tables above.
- Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $456 each month if the policy includes full coverage
- Drivers who tend to receive serious violations may have to pay on average $1,780 more annually to insure a Toyota Crown
- Increasing comprehensive and collision deductibles could save as much as $700 each year
- You may be able to save approximately $190 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,472 |
| 20 | $3,524 |
| 30 | $1,610 |
| 40 | $1,530 |
| 50 | $1,394 |
| 60 | $1,370 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,994 |
| $250 | $1,778 |
| $500 | $1,530 |
| $1,000 | $1,288 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,530 |
| 50/100 | $1,598 |
| 100/300 | $1,682 |
| 250/500 | $1,902 |
| 100 CSL | $1,631 |
| 300 CSL | $1,817 |
| 500 CSL | $1,953 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,862 |
| 20 | $5,606 |
| 30 | $3,404 |
| 40 | $3,310 |
| 50 | $3,152 |
| 60 | $3,126 |
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 | $100 |
| Paid in Full/EFT | $76 |
| Advance Quote | $79 |
| Online Quote | $112 |
| Total Discounts | $672 |
Discounts are estimated and may not be available from every company or in every state.
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