Toyota C-Hr Insurance Rates
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Michelle Robbins
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UPDATED: Apr 10, 2024
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U.S. average insurance rates for a Toyota C-Hr are $960 a year for full coverage insurance. Comprehensive insurance costs around $198, collision costs $352, and liability costs around $300. A policy with just liability insurance costs as low as $342 a year, with coverage for high-risk drivers costing $2,074 or more. Teenage drivers pay the highest rates at $3,596 a year or more.
Average premium for full coverage: $960
Price estimates for individual coverage:
Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different C-Hr trim levels.
Price Range from Low to High
For the normal driver, Toyota C-Hr insurance prices go from as low as $342 for just the minimum liability insurance to a much higher rate of $2,074 for a high-risk driver policy.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.
The price range example below illustrates how geographic area affects auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.
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 choices and driver risks.
- The best discount rate is $553
- Using higher $1,000 deductibles will save about $124 each year
- The average rate for the average middle-age driver using $500 deductibles is $960
- Using more expensive low deductibles for physical damage coverage will cost an extra $244 annually
- High-risk insureds who are prone to accidents and violations could pay at least $2,074 or more
- The price for full coverage for a 16-year-old driver with full coverage can be $3,596 or more
Insurance prices for a Toyota C-Hr are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $3,500 a year. View Rates by Age
The state you live in has a huge impact on Toyota C-Hr insurance prices. A driver around age 40 might see prices as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $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% |
Using high physical damage deductibles could cut prices by as much as $370 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $270 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can be from 44% to 127% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out your exact price is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so the prices may be quite different from one company to the next.
| 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 Find the Right Toyota C-Hr Insurance
Getting lower rates on insurance for a Toyota C-Hr requires being a safe and courteous driver, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates every time your policy renews by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a quick rundown of the information presented in the illustrations above.
- It is possible to save up to $120 per year simply by shopping early and online
- Teenage drivers pay higher prices, as much as $300 a month for full coverage
- Increasing physical damage deductibles can save around $375 each year
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,110 more every year for auto insurance
- Insureds who may need higher levels of liability will pay an extra $330 annually to increase from a low limit to 250/500 limits
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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