Toyota C-Hr Insurance Rates

The average insurance rates for a Toyota C-Hr are $988 a year including full coverage. Comprehensive costs around $206, collision insurance costs $374, and liability costs around $298. A liability-only policy costs as low as $340 a year, and high-risk insurance costs around $2,136. Teenage drivers cost the most to insure at up to $3,678 a year.

Average premium for full coverage: $988

Policy rates for type of insurance:

Prices include $500 physical damage deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different C-Hr trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how your location can change auto insurance rates.

The examples above highlight why anyone shopping for car insurance 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.

More Rate Information

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

• The best discount rate is $567
• Using higher $1,000 deductibles will save about $130 every year
• The estimated price for a good driver age 40 using $500 deductibles is $988
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,246
• High-risk insureds who are prone to accidents and violations could pay at least $2,136
• Policy cost that insures a 16-year-old driver with full coverage can be $3,678 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 driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,200 to $1,600 extra every year, depending on your age. High-risk driver insurance can be from 44% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations 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 be charged as much as $3,600 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 $760 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,410 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $390 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $268 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Right Toyota C-Hr Insurance

Finding cheaper rates on insurance for a Toyota C-Hr requires being a safe and courteous driver, having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare prices at every policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a quick rundown of the data illustrated above.

• Insureds who may need higher levels of liability will pay an extra $330 per year to increase from a 30/60 limit to the 250/500 level
• You may be able to save up to $120 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Teenage drivers are the costliest to insure, with premiums being up to $307 each month if full coverage is purchased