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 prices for a Toyota Crown are $1,530 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $370 a year, collision costs $686, and liability costs $338. Liability-only coverage costs as little as $394 a year, with high-risk coverage costing $3,310 or more. Teens receive the highest rates at $5,472 a year or more.
Average premium for full coverage: $1,530
Rate estimates broken down by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Crown trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $394 for just the minimum liability insurance to a high of $3,310 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects insurance prices.
These examples illustrate why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on averaged prices.
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 other coverage scenarios.
- The cheapest rate after discounts is $858
- Drivers who choose higher $1,000 deductibles will pay approximately $1,288 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,530
- Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $464 annually
- Drivers with serious driving violations could pay up to $3,310 or more
- The cost to insure a 16-year-old driver can cost as much as $5,472 a year
Car insurance rates for a Toyota Crown can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could save up to $710 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $5,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,800 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 131% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Toyota Crown insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,060 on average in Florida, 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% |
With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from multiple companies. Every company calculates rates differently, so rate quotes can be significantly different.
| 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 Low Cost Toyota Crown Insurance
Saving money on insurance for a Toyota Crown not only requires having a decent driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following items are a review of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,780 more annually than a driver with a clean driving record
- It is possible to save approximately $190 per year simply by quoting early and online
- Increasing deductibles could save as much as $700 each year
- Insureds who want additional liability coverage will pay approximately $370 annually to go from a minimum limit to a 250/500 level
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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