Toyota C-Hr Insurance Rates

The average insurance rates for a Toyota C-Hr are $960 a year for full coverage. Comprehensive insurance costs around $198 each year, collision insurance costs $352, and liability costs around $300. Liability-only insurance costs as low as $342 a year, and high-risk driver 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 are based on $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and C-Hr models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance rates.

The examples above show why all drivers should compare prices for a specific zip code, instead of making a decision based on average rates.

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

Additional Rate Information

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 price for a good driver age 40 using $500 deductibles is $960
• Using low deductibles for physical damage coverage will cost an additional $244 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,074
• Policy cost that insures a 16-year-old driver can be $3,596 or more

View Chart as Image

Auto insurance rates for a Toyota C-Hr also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,100 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 44% to 127% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have 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 be forced to pay as much as $1,370 on average in Michigan, Louisiana, and New York.

View Chart as Image

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

How to Find Affordable Toyota C-Hr Insurance

Finding cheaper rates on insurance for a Toyota C-Hr requires having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices once a year by getting quotes from direct carriers, and also from several local insurance agents.

The next list is a brief review of the data that was touched on in this article.

• Drivers can save up to $120 per year just by quoting online in advance
• Insureds who may need increased levels of liability coverage will pay an extra $330 each year to increase from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, costing up to $300 each month if the policy includes full coverage
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,110 more every year to buy Toyota C-Hr insurance