Toyota Corolla Cross Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Toyota Corolla Cross are $1,204 a year including full coverage. Comprehensive costs around $248, collision insurance costs $466, and liability is $354. Liability-only coverage costs around $406 a year, and high-risk coverage costs around $2,608. Teen drivers pay the highest rates at up to $4,500 a year.
Average premium for full coverage: $1,204
Price estimates for individual coverage:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Corolla Cross trim levels.
Price Range from Low to High
For the average 40-year-old driver, Toyota Corolla Cross insurance prices range from as low as $406 for just the minimum liability insurance to a much higher rate of $2,608 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of 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 choices and driver risks.
- The lowest rate with discounts is $692
- Raising to $1,000 deductibles will save about $162 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,204
- Choosing more expensive low deductibles will increase the cost to $1,520
- At-risk drivers with multiple violations and an at-fault accident could pay at least $2,608
- The price for full coverage for a teen driver with full coverage can be $4,500
Auto insurance prices for a Toyota Corolla Cross are also quite variable based on your driving record, the model of your Corolla Cross, and deductibles and policy limits.
An older driver with a good driving record and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $4,500 a year. View Rates by Age
The state you live in also has a big influence on Toyota Corolla Cross insurance prices. A middle-age driver might find prices as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,720 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles can reduce prices by up to $480 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $1,400 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 130% more than average. View High Risk Driver Rates
| 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 Find More Affordable Toyota Corolla Cross Insurance
Getting lower rates on car insurance consists of being a good driver, having good credit, being claim-free, and possibly raising deductibles. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following list is a summary of the primary concepts that were touched on in this article.
- You may be able to save up to $150 per year just by shopping early and online
- Higher risk drivers who have multiple accidents or major violations pay on average $1,400 more every year than a safer driver
- Increasing physical damage deductibles can save around $475 each year
- Drivers age 16 to 20 are expensive to insure, possibly costing $375 a month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,372 |
| $500 | $1,204 |
| $1,000 | $1,042 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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