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 insurance rates for a Toyota Crown are $1,574 a year with full coverage. Comprehensive insurance costs on average $404 each year, collision insurance costs $718, and liability coverage costs around $316. A policy with just liability insurance costs as low as $376 a year, and coverage for high-risk drivers costs $3,396 or more. 16-year-old drivers pay the highest rates at up to $5,550 a year.

Average premium for full coverage: $1,574

Price estimates by individual coverage:

Comprehensive $404
Collision $718
Liability $316

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Crown models.

Price Range from Low to High

For an average driver, Toyota Crown insurance prices range from as low as $376 for just liability coverage to a high rate of $3,396 for coverage for higher-risk drivers.

Liability Only $376
Full Coverage $1,574
High Risk $3,396

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities. The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,181
Small Cities $1,653
Large Cities $2,125

The ranges above demonstrate why all drivers should compare prices based on a specific location and risk profile, rather than using rate averages.

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.

Detailed Rate Analysis

The chart below details average Toyota Crown insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $885
  • Using higher $1,000 deductibles will save around $256 annually
  • The average rate for the average middle-age driver with $500 deductibles is $1,574
  • Buying low deductibles for physical damage coverage will cost an extra $496 each year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,396
  • The price for full coverage for a teenage driver may cost $5,550 or more

View Chart as Image

Toyota Crown insurance cost comparison chart
Column chart showing Toyota Crown insurance prices range from $885 to $5,550 for full coverage

Insurance prices for a Toyota Crown are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $5,500 a year. View Rates by Age

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 $1,130 a year in states like New Hampshire, Ohio, and Utah, or at least $2,120 on average in Florida, Michigan, and New York.

Toyota Crown Insurance Rates by State
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%

View Chart as Image

Toyota Crown insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $760 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $285 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can be around 45% to 128% more than the average rate. View High Risk Driver Rates

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 Find Cheaper Toyota Crown Insurance

Getting lower rates on auto insurance requires being a good driver, maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to compare rates at least once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The following list is a condensed summary of the primary concepts that were covered in the above illustrations.

  • You may be able to save as much as $200 per year just by quoting online in advance
  • Drivers with multiple at-fault accidents may be required to pay an average of $1,820 more each year than a safer driver
  • Increasing physical damage deductibles can save around $750 each year
  • Drivers age 16 to 20 pay the highest prices, costing up to $463 a month for full coverage

Rates by Driver Age

Toyota Crown Insurance 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

Toyota Crown Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,070
$250 $1,840
$500 $1,574
$1,000 $1,318

Full coverage, driver age 40

Rates by Liability Limit

Toyota Crown Insurance Rates with Different Liability Limits
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

Toyota Crown Insurance 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.

SR-22 Surcharge $220

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
Rate after discounts $885

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

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