Toyota C-Hr Insurance Rates
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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 insurance. Comprehensive insurance costs approximately $198 each year, collision insurance costs $352, and liability costs around $300. A policy with just liability insurance costs as low as $342 a year, and coverage for high-risk drivers costs $2,074 or more. Teenage drivers receive the highest rates at up to $3,596 a year.
Average premium for full coverage: $960
Rate estimates by individual coverage type:
Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and C-Hr models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range 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 the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.
These examples illustrate why all drivers should compare prices using their specific location 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 illustrates average Toyota C-Hr insurance rates for additional coverage and risk scenarios.
- The best discount rate is $553
- Using higher $1,000 deductibles will save $124 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $960
- Using low deductibles for physical damage coverage costs an additional $244 annually
- High-risk insureds who are prone to accidents and violations could pay around $2,074
- The cost with full coverage for a 16-year-old driver can cost $3,596 or more
Insurance rates for a Toyota C-Hr can also vary considerably based on the trim level of your C-Hr, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents 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 should be prepared to pay in the ballpark of $3,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,100 to $1,600 additional 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 push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $270 more each 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 $630 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,300 on average in Florida, New York, 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% |
| 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 a low-risk driver, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The items below are a brief review of the material that was touched on in this article.
- Insureds who purchase more liability coverage will pay an extra $330 annually to increase from a minimum limit to higher 250/500 limits
- Teen drivers are the costliest to insure, costing up to $300 per month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,110 more per year to insure their C-Hr
- 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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