Toyota Crown Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average auto insurance rates for a Toyota Crown are $1,530 annually including full coverage. Comprehensive insurance costs an estimated $370, collision costs $686, and liability costs around $338. A liability-only policy costs as low as $394 a year, with high-risk insurance costing $3,310 or more. Teen drivers receive the highest rates at $5,472 a year or more.
Average premium for full coverage: $1,530
Rate estimates broken down by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Crown trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $394 for just liability coverage to a much higher rate of $3,310 for a high-risk insurance policy.
Price Range by Location
Where you live can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on insurance prices.
These examples highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below breaks down estimated Toyota Crown insurance rates for other coverage scenarios.
- The lowest rate with discounts is $858
- Using higher $1,000 deductibles will save approximately $242 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,530
- Choosing more expensive low deductibles for physical damage coverage costs an additional $464 annually
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,310 or more
- The cost with full coverage for a 16-year-old driver with full coverage can cost as much as $5,472 or more
Insurance rates for a Toyota Crown can also vary considerably based on the trim level of your Crown, your driving characteristics, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,400 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,800 to $2,400 extra per year, depending on your age. High-risk driver insurance can be from 44% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $710 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Toyota Crown insurance prices. A driver around age 40 might see rates as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,180 on average in Louisiana, New York, and Michigan.
| 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% |
With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from multiple companies. Each insurance company uses a different rate calculation, so the rates can be significantly different between companies.
| 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 Buy the Best Toyota Crown Insurance
Saving money on insurance for a Toyota Crown requires being a low-risk driver, having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at least every other year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The items below are a brief recap of the car insurance concepts covered above.
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,780 more annually to insure their Crown
- You may be able to save approximately $190 per year simply by shopping early and online
- Increasing deductibles could save up to $700 each year
- Insureds who want more liability coverage will pay about $370 per year to increase from a minimum limit to higher 250/500 limits
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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