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 insurance. Comprehensive insurance costs approximately $206 a year, collision costs $374, and liability coverage costs around $298. Liability-only coverage costs as low as $340 a year, with high-risk coverage costing $2,136 or more. Teens receive the highest rates at $3,678 a year or more.

Average premium for full coverage: $988

Rate estimates by individual coverage type:

Comprehensive $206
Collision $374
Liability $298

Rates are based on $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and C-Hr trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from as low as $340 for just the minimum liability insurance to a high of $2,136 for high-risk insurance.

Liability Only $340
Full Coverage $988
High Risk $2,136

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance prices.

Rural Areas $741
Small Cities $1,037
Large Cities $1,334

These examples illustrate why it is important to compare prices using their specific location and risk profile, rather than using averaged prices.

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 Analysis

The chart below illustrates estimated Toyota C-Hr insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $567
  • Using higher $1,000 deductibles will save $858 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $988
  • Selecting low $100 deductibles for physical damage coverage will cost an extra $258 each year
  • Higher-risk drivers with serious driving violations could pay around $2,136 or more
  • The cost for full coverage for a teenage driver can cost $3,678 or more

View Chart as Image

Toyota C-Hr insurance cost comparison chart
Column chart showing full coverage Toyota C-Hr insurance prices range from $567 to $3,678

Car insurance rates for a Toyota C-Hr can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may only pay around $900 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $3,600 a year. View Rates by Age

Where you live has a huge impact on Toyota C-Hr insurance rates. A driver around age 40 might see rates as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,340 on average in Florida, New York, and Michigan.

Toyota C-Hr Insurance Rates by State
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%

View Chart as Image

Toyota C-Hr insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $390 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $268 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,200 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy can be around 44% to 135% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each insurance company calculates rates differently, so rate quotes can be significantly different from one company to the next.

Toyota C-Hr Insurance Rates by Model Year
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 Best Cheap Toyota C-Hr Insurance

Saving money on auto insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates every couple of years by requesting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The next list is a quick review of the material that was presented in the illustrations above.

  • Consumers who purchase increased levels of liability coverage will pay approximately $330 annually to increase from a minimum limit to 250/500 limits
  • Drivers age 20 and younger pay the highest auto insurance rates, costing up to $307 per month if full coverage is included
  • Drivers with a DUI or reckless driving violation may pay on average $1,150 more per year to buy Toyota C-Hr insurance
  • Increasing deductibles can save around $400 each year

Rates by Driver Age

Toyota C-Hr Insurance 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

Toyota C-Hr Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,246
$250 $1,126
$500 $988
$1,000 $858

Full coverage, driver age 40

Rates by Liability Limit

Toyota C-Hr Insurance Rates with Different Liability Limits
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

Toyota C-Hr Insurance 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.

SR-22 Surcharge $138

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
Rate after discounts $567

Discounts are estimated and may not be available from every company or in every state.

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