Toyota Crown Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $384
Collision $690
Liability $332

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.

Liability Only $388
Full Coverage $1,542
High Risk $3,332

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.

Rural Areas $1,157
Small Cities $1,619
Large Cities $2,082

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

View Chart as Image

Toyota Crown insurance cost comparison chart
Column chart showing full coverage Toyota Crown insurance prices range from $868 to $5,482

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.

Toyota Crown Insurance Rates by State
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%

View Chart as Image

Toyota Crown insurance rates by U.S. city

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.

Toyota Crown Insurance Rates by Model Year
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

Rates by Driver Age

Toyota Crown Insurance 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

Toyota Crown Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,018
$250 $1,798
$500 $1,542
$1,000 $1,298

Full coverage, driver age 40

Rates by Liability Limit

Toyota Crown Insurance Rates with Different Liability Limits
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

Toyota Crown Insurance 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.

SR-22 Surcharge $216

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
Rate after discounts $868

Discounts are estimated and may not be available from every company or in every state.

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