Toyota Crown Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Toyota Crown are $1,542 annually for full coverage insurance. Comprehensive insurance costs on average $384 a year, collision costs $690, and liability insurance costs around $332. Buying just liability costs as low as $388 a year, with insurance for high-risk drivers costing $3,332 or more. Teenage drivers pay the highest rates at $5,482 a year or more.
Average premium for full coverage: $1,542
Price estimates by individual coverage:
Prices include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist coverage. Estimates are averaged for all 50 states and Crown trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota Crown insurance prices go from as cheap as $388 for only liability insurance to a high of $3,332 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a significant impact on insurance rates. Rural areas have fewer physical damage claims than densely populated cities.
The diagram below illustrates how rural and urban location affects car insurance rates.
The ranges above illustrate why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on 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.
Insurance Rate Analysis
The chart below illustrates estimated Toyota Crown insurance rates for different risk profiles and scenarios.
- The best discount rate is $868
- Using higher $1,000 deductibles will save around $1,298 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,542
- Using low $100 deductibles for physical damage coverage costs an additional $476 a year
- Drivers who are prone to accidents and violations could pay upwards of $3,332 or more
- The price with full coverage for a teen driver may cost $5,482 or more
Insurance prices for a Toyota Crown are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,400 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,800 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $720 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $299 more each year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Toyota Crown insurance rates. A driver around age 40 might see prices as low as $1,010 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $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% |
Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, and prices may be quite 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
Getting lower rates on Toyota Crown insurance requires being a safe driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Here is a quick rundown of the coverage data raised in the charts and tables above.
- It is possible to save as much as $190 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $725 each year
- Young drivers pay higher prices, as much as $457 a month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,790 more each year for insurance
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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