Toyota C-Hr Insurance Rates
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Michelle Robbins
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UPDATED: Apr 10, 2024
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Estimated insurance rates for a Toyota C-Hr are $988 a year for full coverage. Comprehensive insurance costs on average $206, collision costs $374, and liability is estimated at $298. Liability-only coverage costs approximately $340 a year, with high-risk coverage costing $2,136 or more. Teenage drivers pay the most at $3,678 a year or more.
Average premium for full coverage: $988
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all C-Hr models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Toyota C-Hr go from as low as $340 for basic liability insurance to the much higher price of $2,136 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities.
The example below illustrates the effect of geographic area on car insurance rates.
These rate differences show why everyone should get quotes based on a specific location and risk profile, instead of using 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 shows estimated Toyota C-Hr insurance rates for different risk profiles and scenarios.
- The best discount rate is $567
- Choosing higher $1,000 deductibles can save around $130 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $988
- Using pricier low deductibles for comp and collision coverage will cost an extra $258 every year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,136 or more
- An auto insurance policy for full coverage for a teen driver for full coverage may cost $3,678 each year
Insurance prices for a Toyota C-Hr also have a wide range based on your driving characteristics, the trim level of your C-Hr, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $3,600 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Toyota C-Hr insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,410 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $894 | -$94 | -9.5% |
| Alaska | $758 | -$230 | -23.3% |
| Arizona | $822 | -$166 | -16.8% |
| Arkansas | $988 | -$0 | 0.0% |
| California | $1,128 | $140 | 14.2% |
| Colorado | $944 | -$44 | -4.5% |
| Connecticut | $1,016 | $28 | 2.8% |
| Delaware | $1,118 | $130 | 13.2% |
| Florida | $1,234 | $246 | 24.9% |
| Georgia | $916 | -$72 | -7.3% |
| Hawaii | $712 | -$276 | -27.9% |
| Idaho | $670 | -$318 | -32.2% |
| Illinois | $738 | -$250 | -25.3% |
| Indiana | $744 | -$244 | -24.7% |
| Iowa | $670 | -$318 | -32.2% |
| Kansas | $938 | -$50 | -5.1% |
| Kentucky | $1,348 | $360 | 36.4% |
| Louisiana | $1,462 | $474 | 48.0% |
| Maine | $610 | -$378 | -38.3% |
| Maryland | $816 | -$172 | -17.4% |
| Massachusetts | $790 | -$198 | -20.0% |
| Michigan | $1,718 | $730 | 73.9% |
| Minnesota | $830 | -$158 | -16.0% |
| Mississippi | $1,184 | $196 | 19.8% |
| Missouri | $876 | -$112 | -11.3% |
| Montana | $1,062 | $74 | 7.5% |
| Nebraska | $778 | -$210 | -21.3% |
| Nevada | $1,188 | $200 | 20.2% |
| New Hampshire | $714 | -$274 | -27.7% |
| New Jersey | $1,104 | $116 | 11.7% |
| New Mexico | $876 | -$112 | -11.3% |
| New York | $1,042 | $54 | 5.5% |
| North Carolina | $570 | -$418 | -42.3% |
| North Dakota | $810 | -$178 | -18.0% |
| Ohio | $682 | -$306 | -31.0% |
| Oklahoma | $1,014 | $26 | 2.6% |
| Oregon | $908 | -$80 | -8.1% |
| Pennsylvania | $944 | -$44 | -4.5% |
| Rhode Island | $1,320 | $332 | 33.6% |
| South Carolina | $898 | -$90 | -9.1% |
| South Dakota | $834 | -$154 | -15.6% |
| Tennessee | $864 | -$124 | -12.6% |
| Texas | $1,192 | $204 | 20.6% |
| Utah | $734 | -$254 | -25.7% |
| Vermont | $676 | -$312 | -31.6% |
| Virginia | $592 | -$396 | -40.1% |
| Washington | $764 | -$224 | -22.7% |
| West Virginia | $910 | -$78 | -7.9% |
| Wisconsin | $686 | -$302 | -30.6% |
| Wyoming | $880 | -$108 | -10.9% |
Using high physical damage deductibles can save as much as $390 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $268 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,200 to $1,600 extra annually, depending on your age. Toyota C-Hr insurance for high-risk drivers ranges as much as 44% to 135% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota C-Hr | $254 | $452 | $258 | $1,074 |
| 2023 Toyota C-Hr | $244 | $448 | $264 | $1,066 |
| 2022 Toyota C-Hr | $236 | $436 | $274 | $1,056 |
| 2021 Toyota C-Hr | $228 | $418 | $284 | $1,040 |
| 2020 Toyota C-Hr | $216 | $404 | $292 | $1,022 |
| 2019 Toyota C-Hr | $206 | $374 | $298 | $988 |
| 2018 Toyota C-Hr | $198 | $352 | $300 | $960 |
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 Affordable Toyota C-Hr Insurance
Finding better rates on car insurance takes being safe and accident-free, maintaining good credit, not filing small claims, and bundling your home and auto policies. Take the time to compare rates every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
Below you'll find a brief review of the ideas that were covered in the above illustrations.
- Youthful drivers pay the highest prices, as much as $307 per month for full coverage
- Higher risk drivers with DUI or reckless driving convictions will pay on average $1,150 more each year than a low-risk driver
- Increasing policy deductibles can save around $400 each year
- Drivers can save as much as $120 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,678 |
| 20 | $2,272 |
| 30 | $1,034 |
| 40 | $988 |
| 50 | $906 |
| 60 | $888 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,246 |
| $250 | $1,126 |
| $500 | $988 |
| $1,000 | $858 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $988 |
| 50/100 | $1,048 |
| 100/300 | $1,122 |
| 250/500 | $1,316 |
| 100 CSL | $1,077 |
| 300 CSL | $1,241 |
| 500 CSL | $1,361 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,254 |
| 20 | $3,620 |
| 30 | $2,180 |
| 40 | $2,136 |
| 50 | $2,038 |
| 60 | $2,018 |
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 | $53 |
| Multi-vehicle | $52 |
| Homeowner | $15 |
| 5-yr Accident Free | $73 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $45 |
| Advance Quote | $49 |
| Online Quote | $70 |
| Total Discounts | $421 |
Discounts are estimated and may not be available from every company or in every state.
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