Toyota Crown Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Toyota Crown are $1,574 annually for full coverage insurance. Comprehensive insurance costs on average $404, collision costs $718, and liability costs $316. Liability-only coverage costs as little as $376 a year, with high-risk coverage costing $3,396 or more. Teenage drivers receive the highest rates at $5,550 a year or more.
Average premium for full coverage: $1,574
Rate estimates by individual coverage type:
Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Crown trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $376 for just the minimum liability insurance to a much higher rate of $3,396 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can have significant affects on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities.
The price range example below illustrates how rural and urban location affects car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of 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.
Additional Rate Analysis
The chart below illustrates estimated Toyota Crown insurance rates for different risk profiles and scenarios.
- The best discount rate is $885
- Drivers who choose higher $1,000 deductibles will pay around $256 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,574
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $496 every year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,396 or more
- The cost with full coverage for a teen driver with full coverage may cost $5,550 a year
Car insurance rates for a Toyota Crown can also vary considerably based on the trim level of your Crown, your risk profile, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles may pay as little as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,800 to $2,500 extra per year, depending on your age. High-risk driver insurance can cost as much as 45% to 128% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $760 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Toyota Crown insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,120 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,422 | -$152 | -9.7% |
| Alaska | $1,206 | -$368 | -23.4% |
| Arizona | $1,306 | -$268 | -17.0% |
| Arkansas | $1,574 | -$0 | 0.0% |
| California | $1,794 | $220 | 14.0% |
| Colorado | $1,502 | -$72 | -4.6% |
| Connecticut | $1,616 | $42 | 2.7% |
| Delaware | $1,778 | $204 | 13.0% |
| Florida | $1,966 | $392 | 24.9% |
| Georgia | $1,454 | -$120 | -7.6% |
| Hawaii | $1,132 | -$442 | -28.1% |
| Idaho | $1,066 | -$508 | -32.3% |
| Illinois | $1,172 | -$402 | -25.5% |
| Indiana | $1,186 | -$388 | -24.7% |
| Iowa | $1,062 | -$512 | -32.5% |
| Kansas | $1,494 | -$80 | -5.1% |
| Kentucky | $2,146 | $572 | 36.3% |
| Louisiana | $2,330 | $756 | 48.0% |
| Maine | $974 | -$600 | -38.1% |
| Maryland | $1,300 | -$274 | -17.4% |
| Massachusetts | $1,254 | -$320 | -20.3% |
| Michigan | $2,734 | $1,160 | 73.7% |
| Minnesota | $1,318 | -$256 | -16.3% |
| Mississippi | $1,886 | $312 | 19.8% |
| Missouri | $1,396 | -$178 | -11.3% |
| Montana | $1,690 | $116 | 7.4% |
| Nebraska | $1,240 | -$334 | -21.2% |
| Nevada | $1,888 | $314 | 19.9% |
| New Hampshire | $1,134 | -$440 | -28.0% |
| New Jersey | $1,760 | $186 | 11.8% |
| New Mexico | $1,392 | -$182 | -11.6% |
| New York | $1,658 | $84 | 5.3% |
| North Carolina | $906 | -$668 | -42.4% |
| North Dakota | $1,290 | -$284 | -18.0% |
| Ohio | $1,084 | -$490 | -31.1% |
| Oklahoma | $1,614 | $40 | 2.5% |
| Oregon | $1,442 | -$132 | -8.4% |
| Pennsylvania | $1,502 | -$72 | -4.6% |
| Rhode Island | $2,098 | $524 | 33.3% |
| South Carolina | $1,426 | -$148 | -9.4% |
| South Dakota | $1,328 | -$246 | -15.6% |
| Tennessee | $1,376 | -$198 | -12.6% |
| Texas | $1,898 | $324 | 20.6% |
| Utah | $1,164 | -$410 | -26.0% |
| Vermont | $1,076 | -$498 | -31.6% |
| Virginia | $942 | -$632 | -40.2% |
| Washington | $1,214 | -$360 | -22.9% |
| West Virginia | $1,442 | -$132 | -8.4% |
| Wisconsin | $1,090 | -$484 | -30.7% |
| Wyoming | $1,402 | -$172 | -10.9% |
With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Crown | $404 | $718 | $316 | $1,574 |
| 2023 Toyota Crown | $384 | $690 | $332 | $1,542 |
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 Right Toyota Crown Insurance
Saving money on car insurance not only requires not taking risks behind the wheel, but also having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a quick rundown of the ideas that were raised in the charts and tables above.
- Teens are expensive to insure, costing up to $463 per month if comprehensive and collision insurance is included
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,820 more each year for Crown insurance
- Increasing deductibles could save up to $750 each year
- It is possible to save as much as $200 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,550 |
| 20 | $3,610 |
| 30 | $1,666 |
| 40 | $1,574 |
| 50 | $1,432 |
| 60 | $1,406 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,070 |
| $250 | $1,840 |
| $500 | $1,574 |
| $1,000 | $1,318 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,574 |
| 50/100 | $1,637 |
| 100/300 | $1,716 |
| 250/500 | $1,922 |
| 100 CSL | $1,669 |
| 300 CSL | $1,843 |
| 500 CSL | $1,969 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,982 |
| 20 | $5,738 |
| 30 | $3,496 |
| 40 | $3,396 |
| 50 | $3,232 |
| 60 | $3,204 |
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 | $86 |
| Multi-vehicle | $80 |
| Homeowner | $21 |
| 5-yr Accident Free | $124 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $79 |
| Advance Quote | $81 |
| Online Quote | $115 |
| Total Discounts | $689 |
Discounts are estimated and may not be available from every company or in every state.
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