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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Estimated auto insurance rates for a Toyota C-Hr are $988 annually for full coverage insurance. Comprehensive costs approximately $206, collision costs $374, and liability costs $298. A policy with only liability insurance costs as little as $340 a year, with a high-risk policy costing around $2,136. 16-year-old drivers pay the most at $3,678 a year or more.
Average premium for full coverage: $988
Premium estimates by type of coverage:
Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 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 cheap as $340 for basic liability insurance to the much higher price of $2,136 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than congested cities.
The example below illustrates the effect of geographic area on auto insurance prices.
These rate differences illustrate why everyone should compare rates using their specific location and their own personal driving habits, instead of using 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.
Rate Comparisons
The chart below illustrates estimated Toyota C-Hr insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $567
- Drivers who choose higher $1,000 deductibles will pay $130 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $988
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,246
- Higher-risk drivers with multiple tickets or accidents could pay around $2,136 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can cost $3,678 a year
Car insurance prices for a Toyota C-Hr also have a wide range based on the model of your C-Hr, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $3,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,600 extra annually, depending on your age. Toyota C-Hr insurance for high-risk drivers can cost as much as 44% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $390 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $268 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Toyota C-Hr insurance prices. A 40-year-old driver could pay as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,340 on average in Florida, 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% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see which company has the best price. Every company utilizes a different rate formula, so rate quotes will be substantially different between companies.
| 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 Buy More Affordable Toyota C-Hr Insurance
Finding better rates on car insurance not only requires having a good driving record, but also having a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Take the time to compare rates at every other renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The next list is a summary of the concepts that were covered in the above illustrations.
- Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,150 more per year to buy Toyota C-Hr insurance
- Drivers age 20 and younger pay the highest auto insurance prices, with premiums being up to $307 per month if comprehensive and collision insurance is included
- It is possible to save around $120 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $400 each year
- It is possible to save around $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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