Toyota C-Hr Insurance Rates
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Michelle Robbins
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UPDATED: Apr 10, 2024
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Estimated insurance rates for a Toyota C-Hr are $960 a year with full coverage. Comprehensive costs around $198 a year, collision costs $352, and liability costs around $300. A liability-only policy costs as low as $342 a year, with high-risk insurance costing around $2,074. 16-year-old drivers pay the most at $3,596 a year or more.
Average premium for full coverage: $960
Premium estimates for type of coverage:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and C-Hr trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Toyota C-Hr go from as low as $342 for minimum levels of liability insurance to a high of $2,074 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities.
The diagram below illustrates how geographic area affects auto insurance rates.
These rate differences demonstrate why it is important to compare prices for a specific zip code and risk profile, instead of 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 Details
The chart below details estimated 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 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $960
- Buying low $100 deductibles for physical damage coverage will increase the cost to $1,204
- Drivers with multiple tickets or accidents could pay at least $2,074 or more
- An auto insurance policy for full coverage for a teen driver can be $3,596 or more
Auto insurance prices for a Toyota C-Hr also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have 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 $700 a year in states like New Hampshire, Ohio, and Utah, or at least $1,300 on average in Florida, Michigan, 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 every year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $270 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,100 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 127% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the best way to find out your exact price is to get quotes and see which company has the best price. Each insurance company utilizes a different rate formula, and quoted prices will be substantially different 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 More Affordable Toyota C-Hr Insurance
Finding better rates on car insurance requires being safe and accident-free, having good credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below you'll find a summary of the information presented in the illustrations above.
- You may be able to save up to $120 per year simply by quoting early and online
- Youthful drivers are expensive to insure, possibly costing $300 per month if they have full coverage
- Increasing policy deductibles can save around $375 each year
- Higher risk drivers who have multiple accidents or major violations pay an average of $1,110 more every year than a low-risk driver
- Policyholders who may need more liability protection will pay around $330 every year to increase from 30/60 bodily injury limits to 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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