Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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Estimated insurance rates for a Toyota C-Hr are $960 a year for full coverage. Comprehensive costs around $198 a year, collision insurance costs $352, and liability costs around $300. Liability-only insurance costs as low as $342 a year, and high-risk driver insurance costs around $2,074. 16-year-old drivers pay the most at up to $3,596 a year.
Average premium for full coverage: $960
Premium estimates for type of coverage:
Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and C-Hr trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Toyota C-Hr range from the low end price of $342 for basic liability insurance to a high of $2,074 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than congested cities. The diagram below illustrates how location impacts auto insurance rates.
These rate differences show why it is important to compare prices for a specific zip code, instead of making a decision based on 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.
Rate Comparisons
The chart below shows average Toyota C-Hr insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $553
- Using higher $1,000 deductibles will save about $836 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $960
- Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,204
- High-risk insureds with multiple tickets or accidents could pay at least $2,074
- An auto insurance policy that insures a 16-year-old driver can be $3,596 or more
Insurance prices for a Toyota C-Hr also have a wide range based on the trim level of your C-Hr, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $1,100 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy can be from 44% to 127% more than the average rate. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $3,500 a year. View Rates by Age
Where you choose to live has a huge impact on Toyota C-Hr insurance prices. A driver around age 40 might see prices as low as $640 a year in states like Idaho, Maine, and Iowa, or at least $1,370 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $370 annually, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $270 more each year. View Rates by Deductible or Liability Limit
| 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 the Best Toyota C-Hr Insurance
Finding better rates on insurance for a Toyota C-Hr requires having a good driving record, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Comparison shop every year by quoting rates from direct carriers, and also from several local insurance agents.
The next list is a brief recap of the coverage data touched on above.
- Drivers can save up to $120 per year just by quoting early and online
- Increasing policy deductibles can save approximately $375 each year
- Drivers age 20 and younger are charged the highest prices, as much as $300 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who tend to receive serious violations pay on average $1,110 more every year to buy Toyota C-Hr 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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