Toyota C-Hr Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Toyota C-Hr are $960 a year including full coverage. Comprehensive insurance costs around $198, collision insurance costs $352, and liability insurance is $300. Buying just liability costs around $342 a year, and insurance for high-risk drivers costs $2,074 or more. Teenage drivers receive the highest rates at up to $3,596 a year.
Average premium for full coverage: $960
Rate estimates for individual coverage type:
Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different C-Hr trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $342 for basic liability insurance to a much higher rate of $2,074 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance rates.
These examples highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than relying 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.
Rate Comparisons
The chart below breaks down average Toyota C-Hr insurance rates for additional coverage choices and driver risks.
- The best discount rate is $553
- Raising to $1,000 deductibles will save about $124 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $960
- Using more expensive low deductibles will cost an additional $244 a year
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,074
- The cost that insures a teen driver with full coverage can be $3,596
Auto insurance rates for a Toyota C-Hr can also vary considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,100 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 127% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $3,500 a year. View Rates by Age
Where you live also has a big influence on Toyota C-Hr insurance rates. A middle-age driver might find rates as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,370 on average in Michigan, New York, and Louisiana.
| 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 can reduce rates by up to $370 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $270 extra every year. View Rates by Deductible or Liability Limit
| 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 More Affordable Toyota C-Hr Insurance
Saving money on Toyota C-Hr insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare prices at least every other year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a summary of the car insurance concepts touched on in the above illustrations.
- High-risk drivers who have multiple accidents or major violations may have to pay on average $1,110 more every year for auto insurance
- You may be able to save up to $120 per year just by shopping early and online
- Increasing deductibles can save approximately $375 each year
- Drivers who may need higher levels of liability will pay an extra $330 per year to raise from a minimum limit to the 250/500 level
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
