Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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Average insurance rates for a Toyota C-Hr are $988 a year for full coverage. Comprehensive insurance costs approximately $206, collision costs $374, and liability costs $298. Buying just liability costs as little as $340 a year, with insurance for high-risk drivers costing $2,136 or more. 16-year-old drivers receive the highest rates at $3,678 a year or more.
Average premium for full coverage: $988
Rate estimates by individual coverage type:
Includes $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different C-Hr trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $340 for just liability coverage to a much higher rate of $2,136 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural locations tend to have a lower frequency of accident claims than congested cities.
The price range example below illustrates how location helps determine auto insurance prices.
These examples show why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below shows estimated Toyota C-Hr insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $567
- Drivers who choose higher $1,000 deductibles will pay $130 a year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $988
- Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $258 annually
- Drivers with multiple tickets or accidents could pay around $2,136 or more
- The cost for full coverage for a 16-year-old driver with full coverage can cost $3,678 a year
Auto insurance rates for a Toyota C-Hr can also vary considerably based on your driver profile, the trim level of your C-Hr, and physical damage deductibles and liability limits.
An older driver with a good driving record and high deductibles may pay as low as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $3,600 a year. View Rates by Age
Where you live makes a big difference in Toyota C-Hr insurance prices. A 40-year-old driver could pay as low as $650 a year in states like Iowa, Maine, and Idaho, or at least $1,410 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $894 | -$94 | -9.5% |
| Alaska | $758 | -$230 | -23.3% |
| Arizona | $822 | -$166 | -16.8% |
| Arkansas | $988 | -$0 | 0.0% |
| California | $1,128 | $140 | 14.2% |
| Colorado | $944 | -$44 | -4.5% |
| Connecticut | $1,016 | $28 | 2.8% |
| Delaware | $1,118 | $130 | 13.2% |
| Florida | $1,234 | $246 | 24.9% |
| Georgia | $916 | -$72 | -7.3% |
| Hawaii | $712 | -$276 | -27.9% |
| Idaho | $670 | -$318 | -32.2% |
| Illinois | $738 | -$250 | -25.3% |
| Indiana | $744 | -$244 | -24.7% |
| Iowa | $670 | -$318 | -32.2% |
| Kansas | $938 | -$50 | -5.1% |
| Kentucky | $1,348 | $360 | 36.4% |
| Louisiana | $1,462 | $474 | 48.0% |
| Maine | $610 | -$378 | -38.3% |
| Maryland | $816 | -$172 | -17.4% |
| Massachusetts | $790 | -$198 | -20.0% |
| Michigan | $1,718 | $730 | 73.9% |
| Minnesota | $830 | -$158 | -16.0% |
| Mississippi | $1,184 | $196 | 19.8% |
| Missouri | $876 | -$112 | -11.3% |
| Montana | $1,062 | $74 | 7.5% |
| Nebraska | $778 | -$210 | -21.3% |
| Nevada | $1,188 | $200 | 20.2% |
| New Hampshire | $714 | -$274 | -27.7% |
| New Jersey | $1,104 | $116 | 11.7% |
| New Mexico | $876 | -$112 | -11.3% |
| New York | $1,042 | $54 | 5.5% |
| North Carolina | $570 | -$418 | -42.3% |
| North Dakota | $810 | -$178 | -18.0% |
| Ohio | $682 | -$306 | -31.0% |
| Oklahoma | $1,014 | $26 | 2.6% |
| Oregon | $908 | -$80 | -8.1% |
| Pennsylvania | $944 | -$44 | -4.5% |
| Rhode Island | $1,320 | $332 | 33.6% |
| South Carolina | $898 | -$90 | -9.1% |
| South Dakota | $834 | -$154 | -15.6% |
| Tennessee | $864 | -$124 | -12.6% |
| Texas | $1,192 | $204 | 20.6% |
| Utah | $734 | -$254 | -25.7% |
| Vermont | $676 | -$312 | -31.6% |
| Virginia | $592 | -$396 | -40.1% |
| Washington | $764 | -$224 | -22.7% |
| West Virginia | $910 | -$78 | -7.9% |
| Wisconsin | $686 | -$302 | -30.6% |
| Wyoming | $880 | -$108 | -10.9% |
Opting for high physical damage deductibles could save up to $390 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $268 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,200 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance can cost from 44% to 135% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Every company utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota C-Hr | $254 | $452 | $258 | $1,074 |
| 2023 Toyota C-Hr | $244 | $448 | $264 | $1,066 |
| 2022 Toyota C-Hr | $236 | $436 | $274 | $1,056 |
| 2021 Toyota C-Hr | $228 | $418 | $284 | $1,040 |
| 2020 Toyota C-Hr | $216 | $404 | $292 | $1,022 |
| 2019 Toyota C-Hr | $206 | $374 | $298 | $988 |
| 2018 Toyota C-Hr | $198 | $352 | $300 | $960 |
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 Cheapest Toyota C-Hr Insurance
Saving money on insurance for a Toyota C-Hr not only requires not taking risks behind the wheel, but also having good credit, eliminating unneeded coverage, and not having any coverage lapses. Invest time comparing rates at least every other year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.
The following is a recap of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents may pay on average $1,150 more per year for C-Hr insurance
- Drivers can save around $120 per year simply by shopping early and online
- Increasing deductibles can save around $400 each year
- Insureds who purchase higher liability limits will pay around $330 each year to go from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,678 |
| 20 | $2,272 |
| 30 | $1,034 |
| 40 | $988 |
| 50 | $906 |
| 60 | $888 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,246 |
| $250 | $1,126 |
| $500 | $988 |
| $1,000 | $858 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $988 |
| 50/100 | $1,048 |
| 100/300 | $1,122 |
| 250/500 | $1,316 |
| 100 CSL | $1,077 |
| 300 CSL | $1,241 |
| 500 CSL | $1,361 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,254 |
| 20 | $3,620 |
| 30 | $2,180 |
| 40 | $2,136 |
| 50 | $2,038 |
| 60 | $2,018 |
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 | $53 |
| Multi-vehicle | $52 |
| Homeowner | $15 |
| 5-yr Accident Free | $73 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $45 |
| Advance Quote | $49 |
| Online Quote | $70 |
| Total Discounts | $421 |
Discounts are estimated and may not be available from every company or in every state.
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