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 including full coverage. Comprehensive costs on average $198 a year, collision costs $352, and liability coverage is $300. A liability-only policy costs around $342 a year, with high-risk insurance 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:
Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and C-Hr trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $342 for the bare minimum liability coverage to a high of $2,074 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates the effect of geographic area on car insurance rates.
These examples highlight why it is important to compare rates quotes based on a 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.
Additional Rate Information
The chart below breaks down estimated Toyota C-Hr insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $553
- Raising to $1,000 deductibles will save around $836 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $960
- Choosing low $100 deductibles will cost $1,204
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,074 or more
- The cost with full coverage for a teenage driver may cost $3,596
Insurance rates for a Toyota C-Hr can also vary considerably based on the trim level of your C-Hr, your driving characteristics, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $3,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $370 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $270 more per year. View Rates by Deductible or Liability Limit
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 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% |
With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates 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 More Affordable Toyota C-Hr Insurance
Saving money on auto insurance consists of being a good driver, having a good credit history, not filing small claims, and bundling your home and auto policies. Take the time to compare rates at every policy renewal by getting price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following list is a summary of the data covered in the above illustrations.
- Consumers who require an increased level of liability coverage will pay about $330 per year to raise from a minimum limit to higher 250/500 limits
- You may be able to save as much as $120 per year simply by quoting early and online
- Increasing deductibles could save up to $375 each year
- Drivers age 16 to 20 pay the highest rates, as much as $300 per month including comprehensive and collision insurance
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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