Toyota C-Hr Insurance Rates

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UPDATED: Apr 10, 2024

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The average insurance rates for a Toyota C-Hr are $960 a year for full coverage. Comprehensive insurance costs on average $198 each year, collision insurance costs $352, and liability insurance costs $300. Liability-only insurance costs as little as $342 a year, and high-risk driver insurance costs $2,074 or more. Teen drivers cost the most to insure at up to $3,596 a year.

Average premium for full coverage: $960

Policy rates by type of insurance:

Comprehensive $198
Collision $352
Liability $300

Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and C-Hr models.

Price Range Variability

Using a 40-year-old driver as an example, Toyota C-Hr insurance rates range from as low as $342 for minimum levels of liability insurance to a high rate of $2,074 for coverage for higher-risk drivers.

Liability Only $342
Full Coverage $960
High Risk $2,074

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects car insurance rates.

Rural Areas $720
Small Cities $1,008
Large Cities $1,296

The examples above show why all drivers should compare rates based on a 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.

Additional Rate Details

The chart below shows average Toyota C-Hr insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $553
  • Drivers who choose higher $1,000 deductibles will pay around $124 a year
  • The average rate for a good driver age 40 with $500 deductibles is $960
  • Choosing low deductibles for comprehensive and collision insurance will cost an extra $244 a year
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,074
  • Policy cost for full coverage for a teen driver may cost $3,596 a year

View Chart as Image

Toyota C-Hr insurance cost comparison chart
Column chart showing Toyota C-Hr insurance prices range from $553 to $3,596 for full coverage

Auto insurance rates for a Toyota C-Hr also range considerably based on your risk profile, the trim level of your C-Hr, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $3,500 a year. View Rates by Age

Your home state makes a big difference in Toyota C-Hr insurance rates. A 40-year-old driver could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or as much as $1,370 on average in Michigan, Louisiana, and New York.

Toyota C-Hr Insurance Rates by State
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%

View Chart as Image

Toyota C-Hr insurance rates by U.S. city

Choosing high deductibles could save up to $370 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $270 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,100 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 127% more than average. View High Risk Driver Rates

Toyota C-Hr Insurance Rates by Model Year
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 Find Affordable Toyota C-Hr Insurance

Finding cheaper rates on Toyota C-Hr insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The items below are a brief review of the primary concepts that were raised in the charts and tables above.

  • Drivers can save as much as $120 per year just by quoting online in advance
  • High-risk drivers with DUI or reckless driving convictions will pay on average $1,110 more each year to insure their C-Hr
  • Increasing comprehensive and collision deductibles can save around $375 each year
  • Teen drivers are charged the highest rates, costing up to $300 each month if they have full coverage

Rates by Driver Age

Toyota C-Hr Insurance 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

Toyota C-Hr Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,204
$250 $1,092
$500 $960
$1,000 $836

Full coverage, driver age 40

Rates by Liability Limit

Toyota C-Hr Insurance Rates with Different Liability Limits
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

Toyota C-Hr Insurance 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.

SR-22 Surcharge $134

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
Rate after discounts $553

Discounts are estimated and may not be available from every company or in every state.

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