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 around $300. Liability-only coverage costs as low as $342 a year, and high-risk coverage 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:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all C-Hr models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance rates.

The examples above show why everyone should compare prices for a specific zip code and risk profile, instead of using 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
• Using higher $1,000 deductibles will save about $124 a year
• The average rate for a good driver age 40 using $500 deductibles is $960
• Choosing pricier low deductibles for physical damage coverage 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 teen driver for full coverage can be $3,596 or more

View Chart as Image

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.

A more mature driver with no violations or accidents and high deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $3,500 a year. View Rates by Age

Your home state has a huge impact on Toyota C-Hr insurance prices. A driver around age 40 might see rates 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 cut rates by as much as $370 every year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $270 more each year. 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 additional every year, depending on your age. Toyota C-Hr insurance for high-risk drivers can be as much as 44% to 127% more than average. View High Risk Driver Rates

How to Find Cheaper Toyota C-Hr Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a condensed summary of the material that was covered in the above illustrations.

• Policyholders who may need higher liability limits will pay about $330 each year to increase from a 30/60 limit to 250/500 limits
• Teenagers are charged the highest rates, costing up to $300 each month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,110 more every year for car insurance
• Increasing comprehensive and collision deductibles can save around $375 each year