Toyota Crown Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Toyota Crown are $1,530 a year with full coverage. Comprehensive insurance costs approximately $370 each year, collision insurance costs $686, and liability insurance costs around $338. Liability-only coverage costs as low as $394 a year, and high-risk coverage costs $3,310 or more. Teens cost the most to insure at up to $5,472 a year.
Average premium for full coverage: $1,530
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Crown models.
Price Range Variability
For a driver in their 40's, Toyota Crown insurance rates range from the low end price of $394 for liability-only coverage to a high rate of $3,310 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.
The examples above demonstrate why all drivers should compare prices using their specific location, rather than relying on averaged prices.
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 Charts and Tables
The chart below details average Toyota Crown insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $858
- Using higher $1,000 deductibles will save $242 annually
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,530
- Selecting low deductibles for physical damage coverage will cost an additional $464 a year
- Drivers with serious driving violations could pay around $3,310
- Policy cost that insures a teen driver can cost $5,472 or more
Insurance rates for a Toyota Crown also range considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,800 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age
Your home state has a huge impact on Toyota Crown insurance rates. A driver around age 40 might see rates as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,060 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,382 | -$148 | -9.7% |
| Alaska | $1,174 | -$356 | -23.3% |
| Arizona | $1,268 | -$262 | -17.1% |
| Arkansas | $1,530 | -$0 | 0.0% |
| California | $1,742 | $212 | 13.9% |
| Colorado | $1,458 | -$72 | -4.7% |
| Connecticut | $1,570 | $40 | 2.6% |
| Delaware | $1,730 | $200 | 13.1% |
| Florida | $1,910 | $380 | 24.8% |
| Georgia | $1,412 | -$118 | -7.7% |
| Hawaii | $1,100 | -$430 | -28.1% |
| Idaho | $1,036 | -$494 | -32.3% |
| Illinois | $1,138 | -$392 | -25.6% |
| Indiana | $1,152 | -$378 | -24.7% |
| Iowa | $1,030 | -$500 | -32.7% |
| Kansas | $1,450 | -$80 | -5.2% |
| Kentucky | $2,084 | $554 | 36.2% |
| Louisiana | $2,262 | $732 | 47.8% |
| Maine | $944 | -$586 | -38.3% |
| Maryland | $1,262 | -$268 | -17.5% |
| Massachusetts | $1,220 | -$310 | -20.3% |
| Michigan | $2,654 | $1,124 | 73.5% |
| Minnesota | $1,282 | -$248 | -16.2% |
| Mississippi | $1,830 | $300 | 19.6% |
| Missouri | $1,356 | -$174 | -11.4% |
| Montana | $1,640 | $110 | 7.2% |
| Nebraska | $1,202 | -$328 | -21.4% |
| Nevada | $1,832 | $302 | 19.7% |
| New Hampshire | $1,102 | -$428 | -28.0% |
| New Jersey | $1,708 | $178 | 11.6% |
| New Mexico | $1,352 | -$178 | -11.6% |
| New York | $1,608 | $78 | 5.1% |
| North Carolina | $880 | -$650 | -42.5% |
| North Dakota | $1,252 | -$278 | -18.2% |
| Ohio | $1,052 | -$478 | -31.2% |
| Oklahoma | $1,568 | $38 | 2.5% |
| Oregon | $1,400 | -$130 | -8.5% |
| Pennsylvania | $1,458 | -$72 | -4.7% |
| Rhode Island | $2,038 | $508 | 33.2% |
| South Carolina | $1,384 | -$146 | -9.5% |
| South Dakota | $1,290 | -$240 | -15.7% |
| Tennessee | $1,338 | -$192 | -12.5% |
| Texas | $1,842 | $312 | 20.4% |
| Utah | $1,132 | -$398 | -26.0% |
| Vermont | $1,044 | -$486 | -31.8% |
| Virginia | $916 | -$614 | -40.1% |
| Washington | $1,180 | -$350 | -22.9% |
| West Virginia | $1,400 | -$130 | -8.5% |
| Wisconsin | $1,056 | -$474 | -31.0% |
| Wyoming | $1,360 | -$170 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $710 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Crown | $370 | $686 | $338 | $1,530 |
| 2023 Toyota Crown | $356 | $668 | $354 | $1,514 |
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 More Affordable Toyota Crown Insurance
Finding cheaper rates on Toyota Crown insurance requires being safe and accident-free, having a good credit score, not filing small claims, and consideration of higher deductibles. Compare rates at least once a year by obtaining price quotes from direct companies, and also from local insurance agencies.
Below you'll find a summary of the primary concepts that were covered in the charts and tables above.
- You may be able to save around $190 per year just by quoting online in advance
- High-risk drivers who have multiple accidents or major violations may have to pay on average $1,780 more per year than a low-risk driver
- Increasing comprehensive and collision deductibles can save approximately $700 each year
- Youthful drivers are the costliest to insure, as much as $456 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,472 |
| 20 | $3,524 |
| 30 | $1,610 |
| 40 | $1,530 |
| 50 | $1,394 |
| 60 | $1,370 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,994 |
| $250 | $1,778 |
| $500 | $1,530 |
| $1,000 | $1,288 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,530 |
| 50/100 | $1,598 |
| 100/300 | $1,682 |
| 250/500 | $1,902 |
| 100 CSL | $1,631 |
| 300 CSL | $1,817 |
| 500 CSL | $1,953 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,862 |
| 20 | $5,606 |
| 30 | $3,404 |
| 40 | $3,310 |
| 50 | $3,152 |
| 60 | $3,126 |
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 | $84 |
| Multi-vehicle | $79 |
| Homeowner | $21 |
| 5-yr Accident Free | $121 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $76 |
| Advance Quote | $79 |
| Online Quote | $112 |
| Total Discounts | $672 |
Discounts are estimated and may not be available from every company or in every state.
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