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 approximately $198 each year, collision costs $352, and liability coverage costs $300. Liability-only insurance costs as little as $342 a year, with high-risk driver insurance costing $2,074 or more. Teens cost the most to insure at $3,596 a year or more.
Average premium for full coverage: $960
Policy rates by type of insurance:
Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and C-Hr models.
Price Range Variability
For the average driver, Toyota C-Hr insurance rates go from as cheap as $342 for just liability coverage to a high rate of $2,074 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.
The graphic below illustrates how location impacts auto insurance prices.
The examples above illustrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than using averaged prices.
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 illustrates estimated Toyota C-Hr insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $553
- Drivers who choose higher $1,000 deductibles will pay $124 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $960
- Selecting low deductibles for comprehensive and collision insurance costs an additional $244 each year
- High-risk insureds with serious driving violations could pay around $2,074 or more
- Policy cost with full coverage for a teenage driver can cost $3,596 a year
Auto insurance rates for a Toyota C-Hr also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $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 anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 127% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $370 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $270 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Toyota C-Hr insurance rates. A 40-year-old driver could pay as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,300 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Every company calculates rates differently, and quoted rates will be varied 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 Cheaper Toyota C-Hr Insurance
Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and not having any coverage lapses. Spend time shopping around once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a condensed summary of the data that was touched on above.
- It is possible to save around $120 per year simply by quoting online in advance
- Consumers who purchase higher levels of liability will pay approximately $330 annually to go from a 30/60 limit to higher 250/500 limits
- Teenage drivers have the highest car insurance rates, possibly costing $300 each month if full coverage is included
- Drivers with multiple at-fault accidents could be forced to pay on average $1,110 more per year for auto insurance
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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