Toyota Crown Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Toyota Crown are $1,530 annually including full coverage. Comprehensive costs approximately $370 a year, collision costs $686, and liability is $338. Buying just liability costs around $394 a year, with insurance for high-risk drivers costing around $3,310. Teen drivers cost the most to insure at $5,472 a year or more.
Average premium for full coverage: $1,530
Policy rates by type of insurance:
Includes $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Crown trim levels.
Price Range Variability
For a 40-year-old driver, Toyota Crown insurance rates go from as cheap as $394 for the bare minimum liability coverage to a high of $3,310 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates how your location can change auto insurance prices.
The examples above highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on 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.
Additional Rate Information
The chart below breaks down estimated Toyota Crown insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $858
- Raising to $1,000 deductibles will save $1,288 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,530
- Choosing low $100 deductibles will cost $1,994
- Drivers with multiple violations and an at-fault accident could pay around $3,310 or more
- Policy cost with full coverage for a 16-year-old driver can cost $5,472
Insurance rates for a Toyota Crown also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $710 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Toyota Crown insurance prices. A middle-age driver might find rates as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or 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 who has the best auto insurance rates is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, so the rates will be varied between companies.
| 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 Buy the Cheapest Toyota Crown Insurance
Finding cheaper rates on insurance for a Toyota Crown consists of being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around every year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a recap of the coverage data illustrated above.
- You may be able to save around $190 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $700 each year
- Teenage drivers are expensive to insure, with premiums being up to $456 each month including comprehensive and collision insurance
- Drivers considered higher risk that have major violations or accidents may have to pay on average $1,780 more per year for auto insurance
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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