Toyota C-Hr Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 10, 2024
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U.S. average auto insurance rates for a Toyota C-Hr are $960 annually including full coverage. Comprehensive costs on average $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 around $2,074. Teen drivers pay the highest rates at $3,596 a year or more.
Average premium for full coverage: $960
Price estimates by individual coverage:
Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. 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 cheap as $342 for just liability coverage to a much higher rate of $2,074 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Rural areas have fewer comprehensive and collision claims than larger metro areas.
The price range example below illustrates how geographic area affects car insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of 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.
Detailed Rate Analysis
The chart below breaks down estimated Toyota C-Hr insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $553
- Using higher $1,000 deductibles will save around $124 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $960
- Choosing more expensive low deductibles for physical damage coverage will cost $1,204
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,074 or more
- The price with full coverage for a teen driver with full coverage may cost $3,596 or more
Insurance prices for a Toyota C-Hr are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $900 a year for full coverage. Prices are highest for teenage 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 have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can be as much as 44% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $370 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $270 more per year. View Rates by Deductible or Liability Limit
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 $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% |
Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so the prices may be quite 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 the Best Cheap Toyota C-Hr Insurance
Getting lower rates on car insurance requires being a low-risk driver, having a good credit history, being claim-free, and bundling your home and auto policies. Invest the time to compare rates once a year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a quick review of the data that was presented in the illustrations above.
- You may be able to save as much as $120 per year simply by shopping early and online
- Policyholders who require more liability coverage will pay about $330 per year to increase from a low limit to higher 250/500 limits
- Teen drivers pay the highest prices, possibly costing $300 a month including comprehensive and collision insurance
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,110 more each 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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