Toyota C-Hr Insurance Rates
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Michelle Robbins
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UPDATED: Apr 10, 2024
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Average auto insurance rates for a Toyota C-Hr are $960 annually for full coverage. Comprehensive costs an estimated $198 each year, collision costs $352, and liability costs around $300. Buying just liability costs as low as $342 a year, with insurance for high-risk drivers costing around $2,074. Teenage drivers receive the highest rates at $3,596 a year or more.
Average premium for full coverage: $960
Rate estimates broken down by individual coverage type:
Prices are based on $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and C-Hr models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $342 for the bare minimum liability coverage to a high rate of $2,074 for high-risk insurance.
Price Range by Location
Where you live can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities.
The graphic below illustrates how location impacts insurance prices.
These examples show why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.
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 other coverage scenarios.
- The best discount rate is $553
- Using higher $1,000 deductibles will save approximately $124 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $960
- Using low deductibles for physical damage coverage will cost $1,204
- High-risk insureds who are prone to accidents and violations could pay up to $2,074 or more
- The cost with full coverage for a 16-year-old driver can cost as much as $3,596 or more
Auto insurance rates for a Toyota C-Hr can also vary considerably based on the trim level of your C-Hr, your driver profile, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $900 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $3,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,100 to $1,600 in extra premium per 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
Using high physical damage deductibles could cut rates by as much as $370 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $270 extra every year. View Rates by Deductible or Liability Limit
Where you live 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,370 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.
| 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 Buy Affordable Toyota C-Hr Insurance
Saving money on insurance for a Toyota C-Hr requires being safe and accident-free, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Spend time shopping around every couple of years by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a brief review of the material that was touched on above.
- Insureds who want more liability protection will pay an extra $330 each year to increase from a minimum limit to higher 250/500 limits
- Youthful drivers are the costliest to insure, costing as high as $300 per month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,110 more annually than a low-risk driver
- Increasing deductibles could save up to $375 each year
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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