Toyota C-Hr Insurance Rates

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

Average premium for full coverage: $960

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and C-Hr models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above show why all drivers should compare rates based on a specific location and risk profile, rather than relying on price averages.

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

Additional Rate Details

The chart below shows average Toyota C-Hr insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $553
• Drivers who choose higher $1,000 deductibles will pay around $124 a year
• The average rate for a good driver age 40 with $500 deductibles is $960
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $244 a year
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,074
• Policy cost for full coverage for a teen driver may cost $3,596 a year

View Chart as Image

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

More mature drivers with a good driving record and high deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $3,500 a year. View Rates by Age

Your home state makes a big difference in Toyota C-Hr insurance rates. 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 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $270 extra every 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 a minimum $1,100 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 127% more than average. View High Risk Driver Rates

How to Find Affordable Toyota C-Hr Insurance

Finding cheaper rates on Toyota C-Hr insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The items below are a brief review of the primary concepts that were raised in the charts and tables above.

• Drivers can save as much as $120 per year just by quoting online in advance
• High-risk drivers with DUI or reckless driving convictions will pay on average $1,110 more each year to insure their C-Hr
• Increasing comprehensive and collision deductibles can save around $375 each year
• Teen drivers are charged the highest rates, costing up to $300 each month if they have full coverage