Toyota C-Hr Insurance Rates

The average insurance rates for a Toyota C-Hr are $960 a year for full coverage. Comprehensive costs around $198, collision insurance costs $352, and liability costs $300. A liability-only policy costs as little as $342 a year, and high-risk insurance costs around $2,074. Teen drivers cost the most to insure at up to $3,596 a year.

Average premium for full coverage: $960

Policy rates for type of insurance:

Prices include $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different C-Hr trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Toyota C-Hr insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $553
• Drivers who choose higher $1,000 deductibles will pay about $124 a year
• The average rate for a good driver age 40 using $500 deductibles is $960
• Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,204
• Drivers with multiple violations and an at-fault accident could pay at least $2,074
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $3,596 a year

View Chart as Image

Car insurance rates for a Toyota C-Hr also range considerably based on your risk profile, the trim level of your C-Hr, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $3,500 a year. View Rates by Age

Your home state makes a big difference in Toyota C-Hr insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or as much as $1,370 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $370 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $270 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost from 44% to 127% more than average. View High Risk Driver Rates

How to Find the Right Toyota C-Hr Insurance

Finding cheaper rates on insurance for a Toyota C-Hr not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop at least every other year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a quick rundown of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,110 more every year to buy Toyota C-Hr insurance
• Drivers can save up to $120 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $375 each year
• Insureds who may need increased levels of liability coverage will pay about $330 each year to go from a 30/60 limit to 250/500 limits