Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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The average insurance rates for a Toyota C-Hr are $960 a year including full coverage. Comprehensive costs around $198, collision costs $352, and liability insurance costs $300. A liability-only policy costs as little as $342 a year, with high-risk insurance costing around $2,074. 16-year-old drivers cost the most to insure at $3,596 a year or more.
Average premium for full coverage: $960
Policy rates for type of insurance:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different C-Hr trim levels.
Price Range Variability
For a driver in their 40's, Toyota C-Hr insurance rates go from as low as $342 for a discount liability-only rate to a much higher rate of $2,074 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than congested cities.
The price range example below illustrates how location helps determine auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying 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.
Rates by State, City, and Model
The chart below breaks down estimated Toyota C-Hr insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $553
- Drivers who choose higher $1,000 deductibles will pay about $124 every year
- The average rate for a good driver age 40 using $500 deductibles is $960
- Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,204
- High risk drivers with multiple tickets or accidents could pay at least $2,074 or more
- Policy cost for full coverage for a teen driver with full coverage can be $3,596 a year
Car insurance rates for a Toyota C-Hr also range considerably based on your risk profile, the model of your C-Hr, and deductibles and policy limits.
An older driver with no driving violations and high deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $3,500 a year. View Rates by Age
Your home state makes a big difference in Toyota C-Hr insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or at least $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% |
Opting for high physical damage deductibles could save up to $370 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $270 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 127% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out your exact price is to compare rates from as many companies as possible. Every company utilizes a different rate formula, so rate quotes will be varied 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 Best Toyota C-Hr Insurance
Finding cheaper rates on Toyota C-Hr insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a brief recap of the coverage data covered in the charts and tables above.
- You may be able to save up to $120 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $375 each year
- Teen drivers are the costliest to insure, with premiums being up to $300 each month if full coverage is included
- High-risk drivers who tend to receive serious violations pay on average $1,110 more every year to insure their C-Hr
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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