Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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The average insurance rates for a Toyota C-Hr are $960 a year for full coverage. Comprehensive costs around $198, collision costs $352, and liability coverage costs $300. Buying just liability costs as little as $342 a year, with insurance for high-risk drivers costing around $2,074. 16-year-old drivers cost the most to insure at $3,596 a year or more.
Average premium for full coverage: $960
Policy rates for type of insurance:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different C-Hr trim levels.
Price Range Variability
For a driver in their 40's, Toyota C-Hr insurance rates go from as low as $342 for the bare minimum liability coverage to a much higher rate of $2,074 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than congested cities.
The price range example below illustrates how location helps determine auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below shows estimated Toyota C-Hr insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $553
- Drivers who choose higher $1,000 deductibles will pay about $124 a year
- The average rate for a good driver age 40 using $500 deductibles is $960
- Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,204
- High-risk insureds with multiple tickets or accidents could pay at least $2,074 or more
- Policy cost for full coverage for a teenage driver with full coverage can be $3,596 a year
Insurance rates for a Toyota C-Hr also range considerably based on your risk profile, the trim level of your C-Hr, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $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 at least $1,370 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $870 | -$90 | -9.4% |
| Alaska | $736 | -$224 | -23.3% |
| Arizona | $798 | -$162 | -16.9% |
| Arkansas | $960 | -$0 | 0.0% |
| California | $1,094 | $134 | 14.0% |
| Colorado | $920 | -$40 | -4.2% |
| Connecticut | $986 | $26 | 2.7% |
| Delaware | $1,088 | $128 | 13.3% |
| Florida | $1,202 | $242 | 25.2% |
| Georgia | $890 | -$70 | -7.3% |
| Hawaii | $692 | -$268 | -27.9% |
| Idaho | $652 | -$308 | -32.1% |
| Illinois | $718 | -$242 | -25.2% |
| Indiana | $724 | -$236 | -24.6% |
| Iowa | $650 | -$310 | -32.3% |
| Kansas | $914 | -$46 | -4.8% |
| Kentucky | $1,310 | $350 | 36.5% |
| Louisiana | $1,424 | $464 | 48.3% |
| Maine | $592 | -$368 | -38.3% |
| Maryland | $794 | -$166 | -17.3% |
| Massachusetts | $766 | -$194 | -20.2% |
| Michigan | $1,668 | $708 | 73.8% |
| Minnesota | $806 | -$154 | -16.0% |
| Mississippi | $1,152 | $192 | 20.0% |
| Missouri | $852 | -$108 | -11.3% |
| Montana | $1,036 | $76 | 7.9% |
| Nebraska | $756 | -$204 | -21.3% |
| Nevada | $1,154 | $194 | 20.2% |
| New Hampshire | $694 | -$266 | -27.7% |
| New Jersey | $1,074 | $114 | 11.9% |
| New Mexico | $850 | -$110 | -11.5% |
| New York | $1,014 | $54 | 5.6% |
| North Carolina | $554 | -$406 | -42.3% |
| North Dakota | $786 | -$174 | -18.1% |
| Ohio | $666 | -$294 | -30.6% |
| Oklahoma | $986 | $26 | 2.7% |
| Oregon | $884 | -$76 | -7.9% |
| Pennsylvania | $916 | -$44 | -4.6% |
| Rhode Island | $1,280 | $320 | 33.3% |
| South Carolina | $872 | -$88 | -9.2% |
| South Dakota | $812 | -$148 | -15.4% |
| Tennessee | $842 | -$118 | -12.3% |
| Texas | $1,160 | $200 | 20.8% |
| Utah | $712 | -$248 | -25.8% |
| Vermont | $658 | -$302 | -31.5% |
| Virginia | $578 | -$382 | -39.8% |
| Washington | $742 | -$218 | -22.7% |
| West Virginia | $884 | -$76 | -7.9% |
| Wisconsin | $666 | -$294 | -30.6% |
| Wyoming | $854 | -$106 | -11.0% |
Opting for high physical damage deductibles could save up to $370 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $270 more per 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 least $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost around 44% to 127% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to know your exact price is to compare rates and see how they stack up. Every company utilizes a different rate formula, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota C-Hr | $244 | $448 | $264 | $1,066 |
| 2023 Toyota C-Hr | $236 | $436 | $274 | $1,056 |
| 2022 Toyota C-Hr | $228 | $418 | $284 | $1,040 |
| 2021 Toyota C-Hr | $216 | $404 | $292 | $1,022 |
| 2020 Toyota C-Hr | $206 | $374 | $298 | $988 |
| 2019 Toyota C-Hr | $198 | $352 | $300 | $960 |
| 2018 Toyota C-Hr | $190 | $316 | $304 | $920 |
Rates are averaged for all Toyota C-Hr models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Toyota C-Hr Insurance
Finding cheaper rates on auto insurance not only requires being a good driver, but also maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates every other policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following list is a brief recap of the ideas that were covered in the charts and tables above.
- Drivers age 16 to 20 pay higher rates, costing up to $300 each month for full coverage
- Drivers who tend to receive serious violations may be required to pay an average of $1,110 more every year than a safer driver
- Increasing comprehensive and collision deductibles can save around $375 each year
- Drivers can save up to $120 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,596 |
| 20 | $2,204 |
| 30 | $1,002 |
| 40 | $960 |
| 50 | $880 |
| 60 | $864 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,204 |
| $250 | $1,092 |
| $500 | $960 |
| $1,000 | $836 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $960 |
| 50/100 | $1,020 |
| 100/300 | $1,095 |
| 250/500 | $1,290 |
| 100 CSL | $1,050 |
| 300 CSL | $1,215 |
| 500 CSL | $1,335 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,130 |
| 20 | $3,516 |
| 30 | $2,116 |
| 40 | $2,074 |
| 50 | $1,980 |
| 60 | $1,962 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $51 |
| Multi-vehicle | $51 |
| Homeowner | $15 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $43 |
| Advance Quote | $47 |
| Online Quote | $68 |
| Total Discounts | $407 |
Discounts are estimated and may not be available from every company or in every state.
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