Toyota C-Hr Insurance Rates

The average auto insurance rates for a Toyota C-Hr are $960 annually for full coverage. Comprehensive insurance costs around $198, collision insurance costs $352, and liability coverage costs around $300. A liability-only policy costs as low as $342 a year, and high-risk insurance costs $2,074 or more. Teenage 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 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different C-Hr trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $553
• Using higher $1,000 deductibles will save about $124 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $960
• Using more expensive low deductibles for physical damage coverage costs an additional $244 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,074
• Policy cost with full coverage for a teenage driver with full coverage can be $3,596 or more

View Chart as Image

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

An older driver with no driving violations and high physical damage deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $3,500 a year. View Rates by Age

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

Using high physical damage deductibles could cut rates by as much as $370 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $270 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota C-Hr insurance rates. A driver around age 40 might see rates as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,370 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Right Toyota C-Hr Insurance

Finding cheaper rates on auto insurance requires being a good driver, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a quick rundown of the car insurance concepts covered in the above illustrations.

• Drivers with reckless driving or DUI convictions pay an average of $1,110 more every year than a safer driver
• Drivers can save up to $120 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $375 each year
• Consumers who may need an increased level of liability coverage will pay an extra $330 each year to increase from a 30/60 limit to higher 250/500 limits