Exploring Toyota Corolla Cross Car Insurance Costs: Ultimate Rate Breakdown

• Toyota Corolla Cross insurance costs an average of $1,932 per year or around $161 per month, but can vary based on the vehicle trim level.
• As one of the cheaper small SUVs to insure for the 2024 model year, the Toyota Corolla Cross costs $274 less per year on average to insure when compared to the other small SUVs.
• The cheapest Corolla Cross insurance is on the base XLE 2WD model at an estimated $1,720 per year. The most expensive to insure is the LE 2WD at $2,224 annually.

How much does Toyota Corolla Cross insurance cost?

Toyota Corolla Cross insurance rates average $1,932 annually for full coverage, or around $161 each month. You can expect to pay approximately $274 less per year to insure a Toyota Corolla Cross compared to similar vehicles.

With MSRPs ranging from $27,730 to $25,955 for the 2024 Toyota Corolla Cross, average monthly insurance rates range from $143 to $185.

The chart below shows how insurance cost can change based on factors like driver age and the physical damage deductibles on the policy. As a general rule, younger drivers pay higher rates than more mature drivers, and lower deductibles cost more than higher deductibles.

As shown in the chart above, driver age has a really big impact on car insurance rates, and policy deductibles to a lesser extent. Another factor that influences cost is the exact trim level of the vehicle you’re insuring.

Cheaper trim levels generally cost less to insure, while the price of insurance tends to go up as you add features and packages to the vehicle. The Corolla Cross is no exception to this rule, as the base XLE 2WD model has the cheapest insurance rates and the LE 2WD costs the most to insure.

The table below breaks down average insurance rates for all Toyota Corolla Cross trims available for the 2024 model year.

Some additional factors that can impact the cost of auto insurance are credit rating, your driving record, and even your occupation. The list below goes into those factors plus some additional data on driver age.

• As you get older, Toyota Corolla Cross car insurance rates tend to be cheaper. The difference in insurance rates for a Corolla Cross between a 40-year-old driver ($1,932 per year) and a 20-year-old driver ($3,874 per year) is $1,942, or a savings of 66.9%.
• Cheaper rates come with better credit scores. Having an excellent credit rating above 800 could save an average of $303 per year compared to a credit rating between 670-739. Conversely, a weaker credit score could cost up to $352 more per year.
• Higher physical damage deductibles lower policy cost. Increasing your policy deductibles from $500 to $1,000 could save around $292 per year for a 40-year-old driver and $566 per year for a 20-year-old driver.
• Lowering deductibles results in a more expensive policy. Dropping your physical damage deductibles from $500 to $250 could cost an additional $304 per year for a 40-year-old driver and $596 per year for a 20-year-old driver.
• Avoid traffic tickets to pay less. If you want to get the cheapest Corolla Cross insurance rates, it’s necessary to drive within the law. In fact, just a couple minor infractions could raise insurance policy cost by up to $516 per year. Major misdemeanors such as a DUI could raise rates by an additional $1,788 or more.
• Your occupation could earn you policy discounts. Some auto insurance companies offer policy discounts for earning a living in occupations like architects, lawyers, high school and elementary teachers, firefighters, accountants, members of the military, and others. By qualifying for an occupational discount, you could save between $58 and $233 on your Toyota Corolla Cross insurance bill, depending on the coverage levels.
• Expect to pay a lot for high-risk insurance. For a 20-year-old driver, being required to buy a high-risk insurance policy increases the cost by $3,028 or more per year.
• The cost to insure teen drivers is expensive. Average rates for full coverage Corolla Cross insurance costs $6,909 per year for a 16-year-old driver, $6,673 per year for a 17-year-old driver, $5,936 per year for an 18-year-old driver, and $5,424 per year for a 19-year-old driver.

Is it expensive to insure a Toyota Corolla Cross?

The Toyota Corolla Cross ranks sixth out of 47 comparison vehicles in the 2024 compact SUV class for car insurance affordability. The Corolla Cross costs $274 less per year to insure than the average segment rate of $2,206 per year.

When compared to popular SUVs in the segment, insurance on a Toyota Corolla Cross averages $280 less per year than the Toyota RAV4, $114 less than the Honda CR-V, and $222 less than the Nissan Rogue.

The next chart shows how insurance cost for a Toyota Corolla Cross compares to the top 10 most popular small SUVs like the Chevrolet Equinox, Jeep Wrangler, and the Ford Escape. After the chart, complete rankings for all 47 compact SUVs is included, with the Corolla Cross highlighted and ranked at position sixth.