Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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U.S. average insurance rates for a Toyota C-Hr are $960 a year including full coverage. Comprehensive insurance costs on average $198, collision insurance costs $352, and liability coverage 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 are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all C-Hr models.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota C-Hr insurance prices range from as low as $342 for the bare minimum liability coverage to the much higher price of $2,074 for a driver who requires high-risk insurance.
Geographic Price Range
Your location has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how rural and urban location affects car insurance rates.
The ranges above highlight why everyone should compare rates based on a specific location and risk profile, rather than using 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.
Additional Rate Information
The chart below breaks down 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 $124 every year
- The average rate for the average middle-age driver with $500 deductibles is $960
- Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $244 each year
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,074
- The price for full coverage for a teenage driver for full coverage may cost $3,596 a year
Insurance prices for a Toyota C-Hr are also quite variable based on your driving record, the model of your C-Hr, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may only pay around $900 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $3,500 a year. View Rates by Age
The state you live in makes a big difference in Toyota C-Hr insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,370 on average in Michigan, New York, and Louisiana.
| 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 save up to $370 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $270 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,100 to $1,600 extra each year, depending on your age. Toyota C-Hr insurance for high-risk drivers can cost around 44% to 127% more than the average rate. View High Risk Driver Rates
| 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
Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also maintaining good credit, being claim-free, and determing if full coverage is necessary. Set aside time to shop around at every other renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a brief review of the concepts that were raised in the charts and tables above.
- Drivers with DUI or reckless driving convictions may pay on average $1,110 more each year to insure a Toyota C-Hr
- Drivers under the age of 20 pay the highest prices, possibly costing $300 a month for full coverage
- You may be able to save as much as $120 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $375 each year
- You may be able to save as much as $120 per year just by quoting online well ahead of the renewal date
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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