Toyota Corolla Cross Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance prices for a Toyota Corolla Cross are $1,204 every 12 months including full coverage. Comprehensive costs approximately $248 a year, collision insurance costs $466, and liability coverage costs around $354. A liability-only policy costs as low as $406 a year, and high-risk insurance costs around $2,608. Teen drivers cost the most to insure at up to $4,500 a year.

Average premium for full coverage: $1,204

Policy rates by type of insurance:

Comprehensive $248
Collision $466
Liability $354

Prices include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Corolla Cross trim levels.

Price Range Variability

For an average driver, Toyota Corolla Cross insurance rates range from the cheapest price of $406 for just the minimum liability insurance to a high of $2,608 for coverage for higher-risk drivers.

Liability Only $406
Full Coverage $1,204
High Risk $2,608

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $903
Small Cities $1,264
Large Cities $1,625

The examples above highlight why it is important to compare prices using their specific location and their own driving history, rather than using price 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.

Additional Rate Analysis

The chart below breaks down average Toyota Corolla Cross insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $692
  • Using higher $1,000 deductibles will save $1,042 every year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,204
  • Choosing low $100 deductibles for physical damage coverage increases the price to $1,520
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,608
  • Policy cost to insure a teenage driver can cost $4,500 or more

View Chart as Image

Toyota Corolla Cross insurance cost comparison chart
Column chart showing Toyota Corolla Cross insurance rates range from $692 to $4,500 for full coverage

Car insurance rates for a Toyota Corolla Cross also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Corolla Cross.

Choosing high deductibles could cut rates by as much as $480 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be around 44% to 130% more than average. View High Risk Driver Rates

Your home state has a huge impact on Toyota Corolla Cross insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,720 on average in Louisiana, New York, and Michigan.

Toyota Corolla Cross Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$118 -9.8%
Alaska $922 -$282 -23.4%
Arizona $998 -$206 -17.1%
Arkansas $1,204 -$0 0.0%
California $1,370 $166 13.8%
Colorado $1,146 -$58 -4.8%
Connecticut $1,234 $30 2.5%
Delaware $1,358 $154 12.8%
Florida $1,502 $298 24.8%
Georgia $1,110 -$94 -7.8%
Hawaii $864 -$340 -28.2%
Idaho $816 -$388 -32.2%
Illinois $896 -$308 -25.6%
Indiana $906 -$298 -24.8%
Iowa $810 -$394 -32.7%
Kansas $1,142 -$62 -5.1%
Kentucky $1,640 $436 36.2%
Louisiana $1,782 $578 48.0%
Maine $742 -$462 -38.4%
Maryland $992 -$212 -17.6%
Massachusetts $958 -$246 -20.4%
Michigan $2,086 $882 73.3%
Minnesota $1,008 -$196 -16.3%
Mississippi $1,440 $236 19.6%
Missouri $1,068 -$136 -11.3%
Montana $1,290 $86 7.1%
Nebraska $946 -$258 -21.4%
Nevada $1,442 $238 19.8%
New Hampshire $866 -$338 -28.1%
New Jersey $1,344 $140 11.6%
New Mexico $1,064 -$140 -11.6%
New York $1,264 $60 5.0%
North Carolina $692 -$512 -42.5%
North Dakota $986 -$218 -18.1%
Ohio $830 -$374 -31.1%
Oklahoma $1,232 $28 2.3%
Oregon $1,102 -$102 -8.5%
Pennsylvania $1,146 -$58 -4.8%
Rhode Island $1,602 $398 33.1%
South Carolina $1,090 -$114 -9.5%
South Dakota $1,014 -$190 -15.8%
Tennessee $1,052 -$152 -12.6%
Texas $1,448 $244 20.3%
Utah $890 -$314 -26.1%
Vermont $822 -$382 -31.7%
Virginia $720 -$484 -40.2%
Washington $930 -$274 -22.8%
West Virginia $1,102 -$102 -8.5%
Wisconsin $830 -$374 -31.1%
Wyoming $1,068 -$136 -11.3%

View Chart as Image

Toyota Corolla Cross insurance rates by U.S. city
Toyota Corolla Cross Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Corolla Cross $256 $478 $338 $1,208
2023 Toyota Corolla Cross $248 $466 $354 $1,204
2022 Toyota Corolla Cross $240 $446 $364 $1,186

Rates are averaged for all Toyota Corolla Cross 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 Right Toyota Corolla Cross Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Take the time to compare rates at least once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a quick rundown of the primary concepts that were covered in the above illustrations.

  • You may be able to save around $150 per year just by quoting early and online
  • Drivers with reckless driving or DUI convictions could be charged and average of $1,400 more per year than a low-risk driver
  • Increasing comprehensive and collision deductibles could save as much as $475 each year
  • Youthful drivers pay the highest auto insurance rates, with premiums being up to $375 each month if the policy includes full coverage

Rates by Driver Age

Toyota Corolla Cross Insurance Rates by Driver Age
Driver Age Premium
16 $4,500
20 $2,784
30 $1,254
40 $1,204
50 $1,100
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

Toyota Corolla Cross Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,520
$250 $1,372
$500 $1,204
$1,000 $1,042

Full coverage, driver age 40

Rates by Liability Limit

Toyota Corolla Cross Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,204
50/100 $1,275
100/300 $1,363
250/500 $1,593
100 CSL $1,310
300 CSL $1,505
500 CSL $1,647

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Corolla Cross Insurance Rates for High Risk Drivers
Age Premium
16 $6,426
20 $4,430
30 $2,666
40 $2,608
50 $2,486
60 $2,464

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 $169

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $89
5-yr Claim Free $78
Paid in Full/EFT $55
Advance Quote $60
Online Quote $85
Total Discounts $512
Rate after discounts $692

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

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