Toyota C-Hr Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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. Comprehensive costs an estimated $198 a year, collision costs $352, and liability insurance is $300. Liability-only coverage costs around $342 a year, with high-risk coverage costing around $2,074. Teen drivers pay the most at $3,596 a year or more.
Average premium for full coverage: $960
Premium estimates broken down by type of coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and C-Hr trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Toyota C-Hr go from the cheapest price of $342 for liability-only coverage to a high of $2,074 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas.
The diagram below illustrates how where you live affects insurance prices.
These rate differences show why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying 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.
Additional Charts and Tables
The chart below shows estimated Toyota C-Hr insurance rates for other coverage scenarios.
- The lowest rate with discounts is $553
- Raising to $1,000 deductibles will save approximately $836 a year
- The average price for a 40-year-old good driver who has $500 deductibles is $960
- Choosing low $100 deductibles increases the price to $1,204
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,074 or more
- An auto insurance policy to insure a teen driver can cost as much as $3,596
Insurance prices for a Toyota C-Hr also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Choosing high deductibles can reduce prices by up to $370 each year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $270 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $3,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 127% more than average. View High Risk Driver Rates
Where you choose to live also has a big influence on Toyota C-Hr insurance rates. A middle-age driver might find prices as low as $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,370 on average in New York, Louisiana, and Michigan.
| 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% |
With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.
| 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 Cheaper Toyota C-Hr Insurance
Finding better rates on Toyota C-Hr insurance consists of being a good driver, having good credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by quoting rates from direct carriers, and also from several local insurance agents.
The following list is a condensed summary of the data touched on in the above illustrations.
- Drivers who want an increased level of liability coverage will pay about $330 each year to raise from 30/60 bodily injury limits to a 250/500 level
- Drivers can save approximately $120 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $375 each year
- Drivers age 16 to 20 are charged the highest prices, as much as $300 per month if they have full coverage
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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