Toyota C-Hr Insurance Rates

The average insurance prices for a Toyota C-Hr are $960 every 12 months for full coverage insurance. Comprehensive costs on average $198 a year, collision insurance costs $352, and liability costs $300. Buying just liability costs as little as $342 a year, and insurance for high-risk drivers costs around $2,074. 16-year-old 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:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and C-Hr trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than congested cities. The diagram below illustrates how location impacts car insurance rates.

The examples above illustrate why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $553
• Drivers who choose higher $1,000 deductibles will pay around $836 each year
• The average price for a good driver age 40 with $500 deductibles is $960
• Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,204
• Drivers with multiple tickets or accidents could pay upwards of $2,074
• Policy cost to insure a 16-year-old driver may cost $3,596 a year

View Chart as Image

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

Opting for high physical damage deductibles could save up to $370 annually, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $270 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $3,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 127% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Toyota C-Hr insurance prices. A 40-year-old driver could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,300 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for More Affordable Toyota C-Hr Insurance

Finding cheaper rates on insurance for a Toyota C-Hr not only requires avoiding accidents and claims, but also having good credit, being claim-free, and determing if full coverage is necessary. Spend time shopping around at every other renewal by getting price quotes from direct insurance companies, and also from several local insurance agents.

The points below are a summary of the concepts that were touched on above.

• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,110 more each year to insure a Toyota C-Hr
• Drivers under the age of 20 pay the highest rates, possibly costing $300 each month if they have full coverage
• It is possible to save as much as $120 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• It is possible to save as much as $120 per year just by quoting early and online