Toyota C-Hr Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 10, 2024
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Average insurance prices for a Toyota C-Hr are $960 every 12 months with full coverage. Comprehensive costs an estimated $198 a year, collision costs $352, and liability costs around $300. Buying just liability costs as low as $342 a year, with insurance for high-risk drivers costing around $2,074. 16-year-old drivers receive the highest rates at $3,596 a year or more.
Average premium for full coverage: $960
Rate estimates broken down by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and C-Hr trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $342 for just the minimum liability insurance to a high of $2,074 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can make a big difference on car insurance rates. More rural locations tend to have more infrequent collision claims than congested cities.
The diagram below illustrates how your location can change insurance prices.
These examples demonstrate why it is important to compare prices for a targeted area and their own driving history, 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 Analysis
The chart below details estimated Toyota C-Hr insurance rates for other coverage scenarios.
- The best full coverage rate is $553
- Using higher $1,000 deductibles will save approximately $836 annually
- The average price for a 40-year-old driver who has $500 deductibles is $960
- Buying low $100 deductibles for physical damage coverage increases the price to $1,204
- High-risk insureds with multiple tickets or accidents could pay up to $2,074 or more
- The cost to insure a 16-year-old driver can cost as much as $3,596 or more
Auto insurance rates for a Toyota C-Hr can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $370 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $270 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as low as $900 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $3,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out $1,100 to $1,600 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 44% to 127% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on Toyota C-Hr insurance prices. A driver around age 40 might see rates as low as $700 a year in states like Utah, Ohio, and New Hampshire, or at least $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 which company is cheapest is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different.
| 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 Shop for Cheaper Toyota C-Hr Insurance
Saving money on insurance for a Toyota C-Hr requires being a good driver, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at every other renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a condensed summary of the concepts that were illustrated above.
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,110 more annually than a safer driver
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $300 per month if comprehensive and collision insurance is included
- You may be able to save approximately $120 per year simply by quoting early and online
- Increasing deductibles could save as much as $375 each year
- You may be able to save approximately $120 per year simply by quoting early and online
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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