Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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The average insurance rates for a Toyota C-Hr are $960 a year for full coverage. Comprehensive insurance costs on average $198 each year, collision costs $352, and liability is $300. Buying just liability costs around $342 a year, with insurance for high-risk drivers costing $2,074 or more. Teen drivers cost the most to insure at $3,596 a year or more.
Average premium for full coverage: $960
Policy rates by type of insurance:
Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and C-Hr models.
Price Range Variability
For the average 40-year-old driver, Toyota C-Hr insurance rates go from as low as $342 for just the minimum liability insurance to a high rate of $2,074 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas.
The graphic below illustrates the difference location can make on car insurance rates.
The examples above show why all drivers should compare rates quotes based on a specific location and risk profile, instead of using 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 Rate Analysis
The chart below shows estimated Toyota C-Hr insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $553
- Raising to $1,000 deductibles will save around $124 a year
- The average rate for a good driver age 40 with $500 deductibles is $960
- Choosing low deductibles will cost an extra $244 every year
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,074 or more
- Policy cost for full coverage for a teen driver may cost $3,596
Insurance rates for a Toyota C-Hr also range considerably based on your risk profile, the trim level of your C-Hr, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $3,500 a year. View Rates by Age
Your home state also has a big influence on Toyota C-Hr insurance prices. A middle-age driver might find rates as low as $640 a year in states like Idaho, Maine, and Iowa, or as much as $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% |
Choosing high deductibles can reduce rates by up to $370 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $270 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 127% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different rate calculation, so the rates will be varied from one company to the next.
| 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 cheaper rates on car insurance consists of having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Make time to compare rates once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
The next list is a brief recap of the data that was touched on in this article.
- Drivers can save as much as $120 per year simply by quoting online in advance
- Policyholders who require increased levels of liability coverage will pay about $330 each year to raise from a 30/60 limit to 250/500 limits
- Drivers age 20 and younger pay the highest rates, costing up to $300 each month for full coverage
- Higher risk drivers who tend to receive serious violations will pay on average $1,110 more each 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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