Toyota Corolla Cross Insurance Cost for 2023

Is a Toyota Corolla Cross cheap or expensive to insure?

We break down average policy premiums from the L 2WD model to the Hybrid XSE trim level to discover how insurance rates on a Corolla Cross size up to other small SUVs.

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  • Toyota Corolla Cross insurance costs an average of $1,592 per year or around $133 per month, but can vary based on the vehicle trim level.
  • As one of the cheaper small SUVs to insure for the 2023 model year, the Toyota Corolla Cross costs $14 less per year on average to insure when compared to the other small SUVs.
  • The cheapest Corolla Cross insurance is on the base L 2WD model at an estimated $1,476 per year. The most expensive to insure is the Hybrid XSE at $1,708 annually.

How much does Toyota Corolla Cross insurance cost?

Toyota Corolla Cross insurance rates average $1,592 annually for full coverage, or around $133 each month. You can expect to pay approximately $14 less per year to insure a Toyota Corolla Cross compared to similar vehicles.

With MSRPs ranging from $23,060 to $36,000 for the 2023 Toyota Corolla Cross, average monthly insurance rates range from $123 to $142.

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.

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Chart Data Details: Chart shows average insurance cost for a 2023 Toyota Corolla Cross with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Toyota Corolla Cross trim levels.Data last updated on December 30, 2022
Toyota Corolla Cross Car Insurance Rates
2023 Toyota Corolla Cross Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,652$221
$500$3,138$262
$250$3,650$304
30$1,000$1,404$117
$500$1,680$140
$250$1,966$164
40$1,000$1,340$112
$500$1,592$133
$250$1,854$155
50$1,000$1,224$102
$500$1,450$121
$250$1,684$140
60$1,000$1,200$100
$500$1,420$118
$250$1,652$138

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 L 2WD model has the cheapest insurance rates and the Hybrid XSE costs the most to insure.

The table below breaks down average insurance rates for all Toyota Corolla Cross trims available for the 2023 model year.

2023 Toyota Corolla Cross Insurance Cost by Trim Level
Toyota Corolla Cross Trim Level Annual Policy Six-Month Policy Per Month
L 2WD$1,476$738$123
L AWD$1,508$754$126
LE 2WD$1,534$767$128
LE AWD$1,562$781$130
XLE 2WD$1,574$787$131
Hybrid LE$1,590$795$133
XLE AWD$1,600$800$133
Hybrid XLE$1,626$813$136
Hybrid S$1,658$829$138
Hybrid SE$1,686$843$141
Hybrid XSE$1,708$854$142

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Toyota Corolla Cross, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Toyota Corolla Cross Insurance Cost by Trim Level

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 ($1,592 per year) and a 20-year-old driver ($3,138 per year) is $1,546, or a savings of 49.3%.
  • Cheaper rates come with better credit scores. Having an excellent credit rating above 800 could save an average of $250 per year compared to a credit rating between 670-739. Conversely, a weaker credit score could cost up to $290 more per year.
  • Higher physical damage deductibles lower policy cost. Increasing your policy deductibles from $500 to $1,000 could save around $252 per year for a 40-year-old driver and $486 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 $262 per year for a 40-year-old driver and $512 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 $410 per year. Major misdemeanors such as a DUI could raise rates by an additional $1,434 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 $48 and $178 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 $2,410 or more per year.
  • The cost to insure teen drivers is expensive. Average rates for full coverage Corolla Cross insurance costs $5,602 per year for a 16-year-old driver, $5,242 per year for a 17-year-old driver, $4,902 per year for an 18-year-old driver, and $4,442 per year for a 19-year-old driver.

Is it expensive to insure a Toyota Corolla Cross?

The Toyota Corolla Cross ranks 23rd out of 47 comparison vehicles in the 2023 compact SUV class for car insurance affordability. The Corolla Cross costs $14 less per year to insure than the average segment rate of $1,606 per year.

When compared to popular SUVs in the segment, insurance on a Toyota Corolla Cross averages $42 less per year than the Toyota RAV4, $96 more than the Honda CR-V, and $30 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 23rd.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Toyota Corolla Cross, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota Corolla Cross trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Insurance Cost Comparison: Toyota Corolla Cross vs Top 10 Small SUVs
Toyota Corolla Cross Insurance Cost Compared to All Small SUVs
Rank Make/Model Insurance Cost Difference
1Chevrolet Trailblazer$1,334-$258
2Subaru Crosstrek$1,346-$246
3Nissan Kicks$1,354-$238
4Nissan Rogue Sport$1,378-$214
5Mazda CX-5$1,386-$206
6Buick Encore$1,406-$186
7Buick Envision$1,410-$182
8Kia Seltos$1,430-$162
9Hyundai Venue$1,440-$152
10Honda HR-V$1,464-$128
11Hyundai Kona$1,480-$112
12Subaru Forester$1,486-$106
13Honda CR-V$1,496-$96
14Mazda CX-30$1,498-$94
15Chevrolet Trax$1,514-$78
16Volkswagen Tiguan$1,532-$60
17Ford Bronco Sport$1,536-$56
18Fiat 500X$1,564-$28
19GMC Terrain$1,566-$26
20Kia Soul$1,568-$24
21Mitsubishi Eclipse Cross$1,572-$20
22Chevrolet Equinox$1,588-$4
23Toyota Corolla Cross$1,592--
24Volkswagen Taos$1,600$8
25Mazda CX-50$1,610$18
26Hyundai Tucson$1,614$22
27Ford Escape$1,616$24
28Nissan Rogue$1,622$30
29Toyota RAV4$1,634$42
30Mazda MX-30$1,636$44
31Kia Niro$1,638$46
32Mini Cooper$1,648$56
33Jeep Compass$1,652$60
34Mini Cooper Clubman$1,674$82
35Jeep Renegade$1,698$106
36Chevrolet Bolt$1,710$118
37Toyota bz4X$1,716$124
38Kia Sportage$1,760$168
39Hyundai Ioniq 5$1,764$172
40Mini Cooper Countryman$1,812$220
41Mitsubishi Mirage$1,818$226
42Mitsubishi Outlander$1,820$228
43Volkswagen ID4$1,832$240
44Kia EV6$1,870$278
45Dodge Hornet$1,872$280
46Hyundai Nexo$1,938$346
47Ford Mustang Mach-E$1,996$404