How much is insurance on a Toyota Corolla Cross?

A 2024 Toyota Corolla Cross runs about $1,900 a year for a typical 45-year-old, about the same as an average car of the same age: more injury claims and lower non-crash losses and lower crash-repair losses about even out. Putting a new 16-year-old on a family policy with the Corolla Cross adds about $1,250 a year (#17 of 26 small SUVs we compare).

2024 Toyota Corolla Cross (Corolla Cross), national average

about $1,900 a year (about $160 a month)

Estimated range: $1,400–$2,550. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2022 Corolla Cross drops to about $1,790 (see the table below).

A Toyota Corolla Cross from the 2022–present generation. Photo: Mr.choppers, CC BY-SA 3.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Corolla Cross, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Corolla Cross's rank is the same in every state.

Why the Toyota Corolla Cross costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Toyota Corolla Cross 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 81 for crash repairs, 76 for non-crash damage, 96 for damage to others' property, and 114 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage19% better than average12th best of the 26 small SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average24% better than average14th best of the 26 small SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage4% better than average14th best of the 26 small SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 14% more often than average20th best of the 24 small SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Corolla Cross comes out about 20% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 8% less than average: about $880 a year vs $950. On the liability side, damage to others and injury claims combine to about 6% worse than average. We count about half, so that part is about 3% more: $1,020 a year vs $990.

How the math works

In EPA size classes, the Corolla Cross is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Toyota Corolla Cross is benchmarked against small SUVs.

Matched to HLDI series “Toyota Corolla Cross 4dr” (HLDI, 2022–24 models).

A used Toyota Corolla Cross, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Corolla Cross (0–3 years old)	about $1,900	about $1,020	+$1,250	about $5,450
2022 Corolla Cross (4–7 years old)	about $1,790	about $1,020	+$1,180	about $5,150

Our catalog covers the Toyota Corolla Cross across model years 2022–2027. Full coverage on a used 2022 Corolla Cross (4–7 years old) runs about $1,790 a year, $100 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $1,020 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Toyota Corolla Cross trims, full coverage goes from about $1,770 a year on the Corolla Cross Hybrid AWD to about $1,900 on the Corolla Cross, because HLDI's loss results differ by body, drive, or powertrain.

Corolla Cross Hybrid AWD: about $1,770
Corolla Cross AWD: about $1,870
Corolla Cross: about $1,900

On a policy of their own with a 2024 Toyota Corolla Cross, a 22–25-year-old pays about $2,470 a year ($570 more than a 45-year-old), a 26–39-year-old about $2,110, and a driver 65 and older about $1,990.

Adding a 16-year-old with a Toyota Corolla Cross

Adding a new 16-year-old who drives the Toyota Corolla Cross raises the family bill by about $1,250 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,450 a year, so keeping them on the family policy saves about $4,200 a year.

For adding a teen driver, the Toyota Corolla Cross ranks 60th cheapest out of all 121 models we track. Stepping down to a used 2022 Corolla Cross (4–7 years old) brings the teen add-on to about $1,180 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the Toyota Corolla Cross is the 10th most expensive to insure. Right next to it are the Nissan Rogue (about $1,890 a year) and the Chevrolet Trax (about $1,900).

Photos from Wikimedia Commons contributors. Photo credits.

What a Toyota Corolla Cross costs in your state

In six sample states, a 2024 Toyota Corolla Cross runs from about $1,290 a year in Idaho through Wyoming, Virginia, Missouri and Colorado to about $2,500 in New York:

Idahoabout $1,290/yr · +$860 teen
Wyomingabout $1,560/yr · +$1,030 teen
Virginiaabout $1,630/yr · +$1,080 teen
Missouriabout $1,750/yr · +$1,150 teen
Coloradoabout $2,180/yr · +$1,440 teen
New Yorkabout $2,500/yr · +$1,650 teen

All 50 states and DC · Updated November 5, 2026.

What if you bought this car? Add it to a comparison

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

Does this look wrong for this car? Tell us

This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.