Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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The average auto insurance rates for a Toyota C-Hr are $960 annually for full coverage insurance. Comprehensive insurance costs around $198, collision insurance costs $352, and liability is estimated at $300. Buying just liability costs approximately $342 a year, and insurance for high-risk drivers costs $2,074 or more. 16-year-old drivers cost the most to insure at up to $3,596 a year.
Average premium for full coverage: $960
Policy rates for type of insurance:
Includes $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all C-Hr models.
Price Range Variability
For an average driver, Toyota C-Hr insurance rates range from as cheap as $342 for minimum levels of liability insurance to the much higher price of $2,074 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than congested cities. The example below illustrates the effect of geographic area on auto insurance rates.
The examples above illustrate why everyone should get quotes for a specific zip code 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.
Additional Rate Details
The chart below illustrates average Toyota C-Hr insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $553
- Choosing higher $1,000 deductibles can save about $124 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $960
- Buying pricier low deductibles for comp and collision coverage costs an additional $244 every year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,074
- Policy cost with full coverage for a teen driver for full coverage can be $3,596 each year
Insurance rates for a Toyota C-Hr also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $3,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,100 to $1,600 extra every year, depending on your age. Toyota C-Hr insurance for high-risk drivers ranges as much as 44% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $370 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $270 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Toyota C-Hr insurance prices. A good driver about age 40 could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,300 on average in Michigan, New York, and Florida.
| 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% |
| 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 Cheapest Toyota C-Hr Insurance
Finding cheaper rates on car insurance takes not taking risks behind the wheel, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Take the time to compare rates every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a recap of the material that was covered in the above illustrations.
- Policyholders who may need higher liability limits will pay around $330 annually to raise limits from a 30/60 limit to higher 250/500 limits
- Teens pay higher rates, possibly costing $300 each month including comprehensive and collision insurance
- Higher risk drivers that have major violations or accidents pay on average $1,110 more every year for C-Hr insurance
- Increasing comprehensive and collision deductibles could save up to $375 each year
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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