Toyota Corolla Cross Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Toyota Corolla Cross are $1,218 a year for full coverage. Comprehensive insurance costs an estimated $268 each year, collision costs $482, and liability costs $332. A liability-only policy costs as little as $388 a year, with high-risk insurance costing $2,624 or more. Teenage drivers pay the most at $4,486 a year or more.
Average premium for full coverage: $1,218
Premium estimates broken down by type of coverage:
Estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Corolla Cross models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Toyota Corolla Cross go from as low as $388 for the bare minimum liability coverage to a high rate of $2,624 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location can make a big difference on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities.
The graphic below illustrates how rural and urban location affects insurance prices.
These rate differences show why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based 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.
Additional Rate Information
The chart below shows estimated Toyota Corolla Cross insurance rates for other coverage scenarios.
- The best discount rate is $698
- Drivers who choose higher $1,000 deductibles will pay approximately $170 a year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,218
- Using low deductibles for comprehensive and collision insurance will cost an extra $328 annually
- Drivers who are prone to accidents and violations could pay up to $2,624 or more
- An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $4,486 a year
Auto insurance prices for a Toyota Corolla Cross also have a wide range based on your driving characteristics, the trim level of your Corolla Cross, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $4,400 a year. View Rates by Age
Where you choose to live makes a big difference in Toyota Corolla Cross insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,730 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,098 | -$120 | -9.9% |
| Alaska | $932 | -$286 | -23.5% |
| Arizona | $1,008 | -$210 | -17.2% |
| Arkansas | $1,218 | -$0 | 0.0% |
| California | $1,384 | $166 | 13.6% |
| Colorado | $1,160 | -$58 | -4.8% |
| Connecticut | $1,246 | $28 | 2.3% |
| Delaware | $1,372 | $154 | 12.6% |
| Florida | $1,518 | $300 | 24.6% |
| Georgia | $1,124 | -$94 | -7.7% |
| Hawaii | $874 | -$344 | -28.2% |
| Idaho | $824 | -$394 | -32.3% |
| Illinois | $904 | -$314 | -25.8% |
| Indiana | $916 | -$302 | -24.8% |
| Iowa | $818 | -$400 | -32.8% |
| Kansas | $1,152 | -$66 | -5.4% |
| Kentucky | $1,656 | $438 | 36.0% |
| Louisiana | $1,798 | $580 | 47.6% |
| Maine | $748 | -$470 | -38.6% |
| Maryland | $1,002 | -$216 | -17.7% |
| Massachusetts | $968 | -$250 | -20.5% |
| Michigan | $2,110 | $892 | 73.2% |
| Minnesota | $1,018 | -$200 | -16.4% |
| Mississippi | $1,454 | $236 | 19.4% |
| Missouri | $1,080 | -$138 | -11.3% |
| Montana | $1,306 | $88 | 7.2% |
| Nebraska | $958 | -$260 | -21.3% |
| Nevada | $1,456 | $238 | 19.5% |
| New Hampshire | $874 | -$344 | -28.2% |
| New Jersey | $1,358 | $140 | 11.5% |
| New Mexico | $1,074 | -$144 | -11.8% |
| New York | $1,278 | $60 | 4.9% |
| North Carolina | $698 | -$520 | -42.7% |
| North Dakota | $996 | -$222 | -18.2% |
| Ohio | $836 | -$382 | -31.4% |
| Oklahoma | $1,246 | $28 | 2.3% |
| Oregon | $1,114 | -$104 | -8.5% |
| Pennsylvania | $1,158 | -$60 | -4.9% |
| Rhode Island | $1,620 | $402 | 33.0% |
| South Carolina | $1,102 | -$116 | -9.5% |
| South Dakota | $1,026 | -$192 | -15.8% |
| Tennessee | $1,064 | -$154 | -12.6% |
| Texas | $1,466 | $248 | 20.4% |
| Utah | $900 | -$318 | -26.1% |
| Vermont | $828 | -$390 | -32.0% |
| Virginia | $726 | -$492 | -40.4% |
| Washington | $938 | -$280 | -23.0% |
| West Virginia | $1,116 | -$102 | -8.4% |
| Wisconsin | $840 | -$378 | -31.0% |
| Wyoming | $1,082 | -$136 | -11.2% |
Using high physical damage deductibles could save up to $500 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $299 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying $1,400 to $2,000 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost from 45% to 128% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Corolla Cross | $280 | $500 | $316 | $1,232 |
| 2023 Toyota Corolla Cross | $268 | $482 | $332 | $1,218 |
| 2022 Toyota Corolla Cross | $256 | $478 | $338 | $1,208 |
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 Low Cost Toyota Corolla Cross Insurance
Finding better rates on insurance for a Toyota Corolla Cross not only requires having a good driving record, but also having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The next list is a review of the ideas that were raised in the charts and tables above.
- Drivers age 20 and younger are the costliest to insure, as much as $374 per month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations pay an average of $1,410 more annually to buy Toyota Corolla Cross insurance
- Increasing policy deductibles can save around $500 each year
- Drivers can save approximately $150 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,486 |
| 20 | $2,800 |
| 30 | $1,270 |
| 40 | $1,218 |
| 50 | $1,110 |
| 60 | $1,090 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,546 |
| $250 | $1,392 |
| $500 | $1,218 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,218 |
| 50/100 | $1,284 |
| 100/300 | $1,367 |
| 250/500 | $1,583 |
| 100 CSL | $1,318 |
| 300 CSL | $1,500 |
| 500 CSL | $1,633 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,408 |
| 20 | $4,452 |
| 30 | $2,686 |
| 40 | $2,624 |
| 50 | $2,502 |
| 60 | $2,478 |
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 | $65 |
| Multi-vehicle | $63 |
| Homeowner | $17 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $57 |
| Advance Quote | $61 |
| Online Quote | $87 |
| Total Discounts | $520 |
Discounts are estimated and may not be available from every company or in every state.
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