Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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The average auto insurance rates for a Toyota C-Hr are $960 annually for full coverage insurance. Comprehensive costs around $198, collision costs $352, and liability 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:
Full coverage includes $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different C-Hr trim levels.
Price Range Variability
For a 40-year-old driver, Toyota C-Hr insurance rates go from as cheap as $342 for the bare minimum liability coverage to a much higher rate of $2,074 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than congested cities.
The price range example below illustrates how your location can change auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, 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.
Additional Rate Information
The chart below illustrates 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 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $960
- Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,204
- Drivers with multiple tickets or accidents could pay at least $2,074 or more
- Policy cost with full coverage for a 16-year-old driver with full coverage can be $3,596 a year
Insurance rates for a Toyota C-Hr also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $3,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost from 44% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $370 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $270 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Toyota C-Hr insurance prices. A 40-year-old driver could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,300 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Every company utilizes a different rate formula, so the rates will be varied 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 More Affordable Toyota C-Hr Insurance
Finding cheaper rates on insurance for a Toyota C-Hr not only requires not taking risks behind the wheel, but also having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a summary of the material that was illustrated above.
- Insureds who may need higher liability limits will pay around $330 annually to go from a 30/60 limit to higher 250/500 limits
- Teens pay higher rates, possibly costing $300 each month including comprehensive and collision insurance
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,110 more every year for C-Hr insurance
- Increasing comprehensive and collision 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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