Toyota C-Hr Insurance Rates
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Michelle Robbins
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UPDATED: Apr 10, 2024
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U.S. average auto insurance rates for a Toyota C-Hr are $960 annually for full coverage. Comprehensive insurance costs on average $198 a year, collision insurance costs $352, and liability costs $300. A policy with just liability insurance costs as little as $342 a year, and coverage for high-risk drivers costs $2,074 or more. 16-year-old drivers pay the highest rates at up to $3,596 a year.
Average premium for full coverage: $960
Price estimates by individual coverage:
Prices include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and C-Hr trim levels.
Price Range from Low to High
For the normal driver, Toyota C-Hr insurance prices range from as cheap as $342 for a discount liability-only rate to a high of $2,074 for a high-risk insurance policy.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have fewer accident claims than congested cities. The diagram below illustrates how geographic area affects car insurance rates.
The ranges above show why it is important to compare rates based on a specific location and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below shows average Toyota C-Hr insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $553
- Drivers who choose higher $1,000 deductibles will pay around $836 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $960
- Buying low $100 deductibles for comprehensive and collision insurance costs an additional $244 annually
- Drivers with multiple tickets or accidents could pay upwards of $2,074
- The price with full coverage for a 16-year-old driver may cost $3,596 a year
Insurance prices for a Toyota C-Hr are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $900 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $3,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $370 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $270 more per year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Toyota C-Hr insurance prices. A 40-year-old driver could pay 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% |
| 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 the Right Toyota C-Hr Insurance
Getting lower rates on insurance for a Toyota C-Hr not only requires not taking risks behind the wheel, but also having a good credit history, eliminating unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates at least every other year by getting price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following is a quick rundown of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,110 more each year for C-Hr insurance
- Drivers can save as much as $120 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $375 each year
- Insureds who require higher liability limits will pay around $330 each year to go from a low limit to higher 250/500 limits
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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