Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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Average insurance rates for a Toyota C-Hr are $988 a year with full coverage. Comprehensive insurance costs on average $206, collision costs $374, and liability coverage is estimated at $298. Liability-only coverage costs approximately $340 a year, with high-risk coverage costing $2,136 or more. Teen drivers receive the highest rates at $3,678 a year or more.
Average premium for full coverage: $988
Rate estimates by individual coverage type:
Prices include $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all C-Hr models.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $340 for your basic liability-only policy to the much higher price of $2,136 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas.
The example below illustrates how location impacts car insurance rates.
These examples demonstrate why everyone should get quotes based on a specific location and risk profile, rather than using 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.
More Rate Information
The chart below details estimated Toyota C-Hr insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $567
- Choosing higher $1,000 deductibles can save around $130 annually
- The average rate for a 40-year-old driver with $500 deductibles is $988
- Choosing pricier low deductibles for comp and collision coverage will cost an extra $258 each year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,136 or more
- The cost for full coverage for a teenage driver for full coverage may cost $3,678 each year
Car insurance rates for a Toyota C-Hr can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may only pay around $900 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $3,600 a year. View Rates by Age
Where you live plays a big part in determining prices for Toyota C-Hr insurance rates. A good driver about age 40 could pay as low as $710 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,340 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles can save as much as $390 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $268 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,600 extra per year, depending on your age. Toyota C-Hr insurance for high-risk drivers ranges around 44% to 135% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different from one company to the next.
| 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 Find the Right Toyota C-Hr Insurance
Saving money on auto insurance takes having a good driving record, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Spend time shopping around at least once a year by requesting quotes from direct companies like GEICO and Progressive, and also from local insurance agents.
The next list is a quick rundown of the primary concepts that were touched on above.
- You may be able to save as much as $120 per year simply by quoting online well ahead of the renewal date
- Drivers with reckless driving or DUI convictions may be required to pay an average of $1,150 more each year to buy Toyota C-Hr insurance
- Increasing deductibles can save around $400 each year
- Drivers age 20 and younger are expensive to insure, with premiums as much as $307 per month if full coverage is included
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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