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 with full coverage. Comprehensive costs approximately $370 each year, collision costs $686, and liability coverage is $338. Liability-only insurance costs around $394 a year, with high-risk driver insurance costing around $3,310. Teenage 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:
Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Crown models.
Price Range Variability
Using a 40-year-old driver as an example, Toyota Crown insurance rates go from the cheapest price of $394 for a discount liability-only rate to a high rate of $3,310 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance prices.
The examples above demonstrate why all drivers should compare rates quotes using their specific location 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.
Rates by State, City, and Model
The chart below details estimated Toyota Crown insurance rates for additional coverage and risk scenarios.
- The best discount rate is $858
- Raising to $1,000 deductibles will save $242 annually
- The average price for a good driver age 40 who chooses $500 deductibles is $1,530
- Using low deductibles increases the price to $1,994
- Unlucky drivers who are prone to accidents and violations could pay around $3,310 or more
- Policy cost to insure a teenage driver can cost $5,472
Auto insurance rates for a Toyota Crown also range considerably based on liability limits and deductibles, your driving record, and the model of your Crown.
Using high physical damage deductibles can reduce rates by up to $710 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have 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 were responsible for an accident, you may be forking out anywhere from $1,800 to $2,400 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 131% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Toyota Crown insurance rates. A middle-age driver might find rates as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,060 on average in New York, Michigan, and Florida.
| 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 find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates 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 consists of having a decent driving record, having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to shop around every time your policy renews by requesting quotes from direct companies, and also from insurance agencies where you live.
The following items are a brief recap of the information raised in the charts and tables above.
- You may be able to save around $190 per year simply by quoting online in advance
- 16 to 18-year-old drivers have the highest car insurance rates, as much as $456 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save as much as $700 each year
- Drivers who tend to receive serious violations could be forced to pay on average $1,780 more per year than a driver with a clean driving record
- Consumers who purchase additional liability coverage will pay an extra $370 every year to raise from a 30/60 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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