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 insurance prices for a Toyota Crown are $1,530 every 12 months for full coverage. Comprehensive insurance costs around $370 each year, collision costs $686, and liability coverage costs $338. A policy with just liability insurance costs as little as $394 a year, with coverage for high-risk drivers costing $3,310 or more. 16-year-old drivers receive the highest rates at $5,472 a year or more.
Average premium for full coverage: $1,530
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Crown models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $394 for just the minimum liability insurance to a high rate of $3,310 for a high-risk driver policy.
Price Range by Location
Your location has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than congested cities.
The graphic below illustrates how location helps determine auto insurance rates.
These examples show why all drivers should compare rates for a specific zip code and their own driving history, rather than using rate 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 shows estimated Toyota Crown insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $858
- Drivers who choose higher $1,000 deductibles will pay about $242 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,530
- Buying low deductibles for comprehensive and collision insurance costs an extra $464 each year
- High-risk insureds with multiple tickets or accidents could pay at least $3,310 or more
- The cost to insure a teenage driver can be $5,472 a year
Insurance rates for a Toyota Crown can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles could save up to $710 a year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $5,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,800 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 131% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Toyota Crown insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Idaho, Maine, and Iowa, or at least $2,180 on average in Michigan, Louisiana, and New York.
| 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 only way to know your exact price is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, and rates can be significantly different.
| 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 Shop for Cheaper Toyota Crown Insurance
Saving money on auto insurance not only requires being a good driver, but also having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Invest time comparing rates every time your policy renews by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a condensed summary of the information covered in the charts and tables above.
- Drivers can save up to $190 per year simply by quoting online in advance
- Drivers age 16 to 20 are charged the highest rates, costing as high as $456 per month if full coverage is included
- Increasing deductibles could save as much as $700 each year
- Drivers with multiple at-fault accidents may pay on average $1,780 more every year than a safer driver
- Consumers who may need an increased level of liability coverage will pay around $370 each year to go from a minimum limit to a 250/500 level
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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