Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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U.S. average insurance rates for a Toyota C-Hr are $988 a year including full coverage. Comprehensive costs approximately $206, collision costs $374, and liability insurance costs around $298. Buying just liability costs as low as $340 a year, with insurance for high-risk drivers costing around $2,136. Teen drivers pay the highest rates at $3,678 a year or more.
Average premium for full coverage: $988
Price estimates by individual coverage:
These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all C-Hr models.
Price Range from Low to High
For the average 40-year-old driver, Toyota C-Hr insurance prices go from as low as $340 for just liability insurance to the much higher price of $2,136 for coverage for higher-risk drivers.
Geographic Price Range
Where you live has a significant impact on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than larger metro areas.
The example below illustrates the difference location can make on auto insurance prices.
The ranges above highlight why everyone should compare prices using their specific location and risk profile, rather than relying on 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.
More Rate Details
The chart below breaks down estimated Toyota C-Hr insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $567
- Using higher $1,000 deductibles will save $130 every year
- The average rate for the average middle-age driver who chooses $500 deductibles is $988
- Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,246
- Drivers with multiple violations and an at-fault accident could pay around $2,136 or more
- The price for full coverage for a teen driver for full coverage can cost $3,678 or more
Insurance prices for a Toyota C-Hr are also quite variable based on your driving record, the model of your C-Hr, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles could pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $3,600 a year. View Rates by Age
The state you live in has a huge impact on Toyota C-Hr insurance rates. A driver around age 40 might see prices as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,410 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles could cut prices by as much as $390 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $268 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,600 additional each year, depending on your age. Toyota C-Hr insurance for high-risk drivers can be anywhere from 44% to 135% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and prices may be quite 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 Cheap Toyota C-Hr Insurance
Getting lower rates on Toyota C-Hr insurance requires avoiding accidents and violations, having a good credit history, being claim-free, and qualifying for all possible discounts. Make time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The list below is a brief summary of the primary concepts that were touched on in this article.
- You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,150 more per year for car insurance
- Increasing physical damage deductibles can save around $400 each year
- Teenagers are the costliest to insure, possibly costing $307 a month including comprehensive and collision insurance
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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