- Toyota Corolla Cross insurance costs an average of $1,634 per year or around $136 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 $15 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 $1,514 per year. The most expensive to insure is the Hybrid XSE at $1,752 annually.
How much does Toyota Corolla Cross insurance cost?
Toyota Corolla Cross insurance rates average $1,634 annually for full coverage, or around $136 each month. You can expect to pay approximately $15 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 $126 to $146.
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 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.
|Toyota Corolla Cross Trim Level||Annual Policy||Six-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 ($1,634 per year) and a 20-year-old driver ($3,220 per year) is $1,586, or a savings of 65.3%.
- Cheaper rates come with better credit scores. Having an excellent credit rating above 800 could save an average of $257 per year compared to a credit rating between 670-739. Conversely, a weaker credit score could cost up to $297 more per year.
- Higher physical damage deductibles lower policy cost. Increasing your policy deductibles from $500 to $1,000 could save around $260 per year for a 40-year-old driver and $498 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 $268 per year for a 40-year-old driver and $526 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 $420 per year. Major misdemeanors such as a DUI could raise rates by an additional $1,472 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 $49 and $183 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 $2,476 or more per year.
- The cost to insure teen drivers is expensive. Average rates for full coverage Corolla Cross insurance costs $5,748 per year for a 16-year-old driver, $5,380 per year for a 17-year-old driver, $5,030 per year for an 18-year-old driver, and $4,560 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 $15 less per year to insure than the average segment rate of $1,649 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, $100 more than the Honda CR-V, and $32 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.
|4||Nissan Rogue Sport||$1,412||-$222|
|17||Ford Bronco Sport||$1,576||-$58|
|21||Mitsubishi Eclipse Cross||$1,616||-$18|
|23||Toyota Corolla Cross||$1,634||--|
|34||Mini Cooper Clubman||$1,720||$86|
|39||Hyundai Ioniq 5||$1,814||$180|
|40||Mini Cooper Countryman||$1,860||$226|
|47||Ford Mustang Mach-E||$2,048||$414|