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 with full coverage. Comprehensive costs approximately $198, collision costs $352, and liability coverage is estimated at $300. Liability-only coverage costs approximately $342 a year, with high-risk coverage costing around $2,074. Teen drivers receive the highest rates at $3,596 a year or more.
Average premium for full coverage: $960
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different C-Hr trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $342 for just liability coverage to a much higher rate of $2,074 for high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than larger metro areas.
The price range example below illustrates the difference location can make on auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using price 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 details estimated Toyota C-Hr insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $553
- Choosing higher $1,000 deductibles can save $124 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $960
- Choosing more expensive low deductibles for comp and collision coverage will cost $1,204
- Drivers with multiple violations and an at-fault accident could pay around $2,074 or more
- The cost with full coverage for a teenage driver with full coverage can cost $3,596 each year
Car insurance rates for a Toyota C-Hr can also vary considerably based on the trim level of your C-Hr, your driving record, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may only pay around $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged 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 may be forking out anywhere from $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance ranges around 44% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $370 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $270 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Toyota C-Hr insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,300 on average in New York, Michigan, 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% |
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes 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 the Best Toyota C-Hr Insurance
Saving money on auto insurance takes avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Make time to compare rates every couple of years by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The points below are a brief recap of the material that was touched on in this article.
- Consumers who purchase increased liability limits will pay about $330 every year to raise limits from a minimum limit to higher 250/500 limits
- Drivers under the age of 20 pay the highest auto insurance rates, with premiums as much as $300 per month if comprehensive and collision insurance is included
- Drivers who tend to receive serious violations may pay on average $1,110 more per year to insure a Toyota 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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