- Toyota Corolla Cross insurance costs an average of $1,298 per year or around $108 per month, but can vary based on the vehicle trim level.
- As one of the cheaper small SUVs to insure for the 2022 model year, the Toyota Corolla Cross costs $118 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 $1,242 per year. The most expensive to insure is the XLE AWD at $1,344 annually.
How much does Toyota Corolla Cross insurance cost?
Toyota Corolla Cross insurance rates average $1,298 annually for full coverage, or around $108 each month. You can expect to pay approximately $118 less per year to insure a Toyota Corolla Cross compared to similar vehicles.
With MSRPs ranging from $22,195 to $27,625 for the 2022 Toyota Corolla Cross, average monthly insurance rates range from $104 to $112.
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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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 XLE AWD costs the most to insure.
The table below breaks down average insurance rates for all Toyota Corolla Cross trims available for the 2022 model year.
|Toyota Corolla Cross Trim Level||Annual Policy||6-month Policy||Per Month|
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 ($1,298 per year) and a 20-year-old driver ($2,574 per year) is $1,276, or a savings of 49.6%.
- Cheaper rates come with better credit scores. Having an excellent credit rating above 800 could save an average of $204 per year compared to a credit rating between 670-739. Conversely, a weaker credit score could cost up to $236 more per year.
- Higher physical damage deductibles lower policy cost. Increasing your policy deductibles from $500 to $1,000 could save around $198 per year for a 40-year-old driver and $382 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 $206 per year for a 40-year-old driver and $402 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 $338 per year. Major misdemeanors such as a DUI could raise rates by an additional $1,184 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 $39 and $158 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 $1,992 or more per year.
- The cost to insure teen drivers is expensive. Average rates for full coverage Corolla Cross insurance costs $4,662 per year for a 16-year-old driver, $4,348 per year for a 17-year-old driver, $4,058 per year for a 18-year-old driver, and $3,664 per year for a 19-year-old driver.
Is it expensive to insure a Toyota Corolla Cross?
The Toyota Corolla Cross ranks #11 out of 46 comparison vehicles in the 2022 compact SUV class for car insurance affordability. The Corolla Cross costs $118 less per year to insure than the average segment rate of $1,416 per year.
When compared to popular SUVs in the segment, insurance on a Toyota Corolla Cross averages $132 less per year than the Toyota RAV4, $28 less than the Honda CR-V, and $184 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 46 compact SUVs is included, with the Corolla Cross highlighted and ranked at position #11.
|7||Nissan Rogue Sport||$1,262||-$36|
|11||Toyota Corolla Cross||$1,298||--|
|21||Mitsubishi Eclipse Cross||$1,396||$98|
|34||Hyundai Ioniq 5||$1,502||$204|
|35||Mini Cooper Clubman||$1,504||$206|
|41||Mini Cooper Countryman||$1,572||$274|
|44||Ford Mustang Mach-E||$1,712||$414|