Toyota C-Hr Insurance Rates
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Michelle Robbins
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UPDATED: Apr 10, 2024
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Estimated insurance prices for a Toyota C-Hr are $960 every 12 months for full coverage insurance. Comprehensive insurance costs around $198 each year, collision insurance costs $352, and liability is estimated at $300. Liability-only insurance costs approximately $342 a year, and high-risk driver insurance costs $2,074 or more. Teen drivers pay the most at up to $3,596 a year.
Average premium for full coverage: $960
Premium estimates for type of coverage:
Rates are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and C-Hr models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Toyota C-Hr range from the cheapest price of $342 for your basic liability-only policy to a high rate of $2,074 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.
These rate differences illustrate why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based 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.
More Rate Information
The chart below illustrates average Toyota C-Hr insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $553
- Choosing higher $1,000 deductibles can save about $124 each year
- The average price for a 40-year-old good driver using $500 deductibles is $960
- Choosing low deductibles for comp and collision coverage costs an extra $244 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,074
- An auto insurance policy to insure a 16-year-old driver can be $3,596 each year
Insurance prices for a Toyota C-Hr also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.
Choosing high deductibles can save as much as $370 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $270 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $3,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at least $1,100 to $1,600 additional annually, depending on your age. Insurance for high-risk drivers ranges from 44% to 127% more than average. View High Risk Driver Rates
Where you choose to live 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 as much as $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 Shop for the Best Cheap Toyota C-Hr Insurance
Finding better rates on insurance for a Toyota C-Hr takes having a good driving record, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around at every other renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The next list is a quick review of the concepts that were touched on above.
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,110 more every year to buy Toyota C-Hr insurance
- Drivers age 20 and younger are charged the highest prices, with premiums being up to $300 per month if full coverage is included
- It is possible to save up to $120 per year just by quoting online in advance
- Increasing policy deductibles could save as much as $375 each year
- It is possible to save up to $120 per year just by quoting online in advance
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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