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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U.S. average insurance rates for a Toyota Crown are $1,542 a year for full coverage insurance. Comprehensive costs around $384, collision costs $690, and liability coverage is estimated at $332. Buying just liability costs approximately $388 a year, with insurance for high-risk drivers costing around $3,332. 16-year-old drivers pay the highest rates at $5,482 a year or more.
Average premium for full coverage: $1,542
Price estimates for individual coverage:
Includes $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Crown trim levels.
Price Range from Low to High
For a 40-year-old driver, Toyota Crown insurance prices go from the low end price of $388 for liability-only coverage to a much higher rate of $3,332 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. Areas with sparse population have lower incidents of physical damage claims than congested cities.
The price range example below illustrates how your location can change auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code, rather than 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 Charts and Tables
The chart below illustrates estimated Toyota Crown insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $868
- Choosing higher $1,000 deductibles can save about $244 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,542
- Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $2,018
- Drivers with multiple tickets or accidents could pay at least $3,332 or more
- The price that insures a teenage driver with full coverage can be $5,482 each year
Insurance prices for a Toyota Crown are also quite variable based on the model year and trim level, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,800 to $2,400 additional each year, depending on your age. High-risk driver insurance ranges around 44% to 130% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,400 a year. View Rates by Age
The state you live in plays a big part in determining prices for Toyota Crown insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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% |
Opting for high physical damage deductibles can save as much as $720 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $299 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out your exact price is to compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, and prices may be quite different.
| 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 the Cheapest Toyota Crown Insurance
Getting lower rates on auto insurance takes not taking risks behind the wheel, having a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop every other policy renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a recap of the ideas that were illustrated above.
- Teens are charged the highest prices, as much as $457 a month if comprehensive and collision insurance is included
- Drivers that have major violations or accidents could be forced to pay on average $1,790 more every year for Crown insurance
- Increasing physical damage deductibles can save approximately $725 each year
- It is possible to save up to $190 per year simply by shopping early and online
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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