Toyota C-Hr Insurance Rates
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Michelle Robbins
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UPDATED: Apr 10, 2024
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Estimated auto insurance rates for a Toyota C-Hr are $960 annually including full coverage. Comprehensive insurance costs around $198 a year, collision costs $352, and liability insurance is $300. A policy with only liability insurance costs around $342 a year, with a high-risk policy costing $2,074 or more. 16-year-old drivers pay the most at $3,596 a year or more.
Average premium for full coverage: $960
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and C-Hr trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota C-Hr go from as cheap as $342 for liability-only coverage to a high of $2,074 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities.
The diagram below illustrates how location helps determine auto insurance rates.
These rate differences highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, 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.
Additional Charts and Tables
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
- Raising to $1,000 deductibles will save about $836 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $960
- Buying low $100 deductibles costs an additional $244 a year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,074 or more
- An auto insurance policy with full coverage for a teen driver can be $3,596
Car insurance prices for a Toyota C-Hr also have a wide range based on the model of your C-Hr, your driving characteristics, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $900 every 12 months 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 as much as $3,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $370 each year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $270 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Toyota C-Hr insurance rates. A middle-age driver might find prices 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% |
With such a large range in prices, the best way to figure out your exact price is to get quotes from as many companies as possible. Every auto insurance 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 | $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
Finding better rates on Toyota C-Hr insurance consists of avoiding accidents and claims, having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Invest time comparing rates once a year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The points below are a quick review of the data that was covered in the charts and tables above.
- You may be able to save up to $120 per year simply by quoting early and online
- Drivers who may need increased liability limits will pay around $330 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Drivers under the age of 20 are the costliest to insure, with the cost nearing $300 per month if comprehensive and collision insurance is included
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,110 more every year to insure a Toyota 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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