Toyota C-Hr Insurance Rates

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UPDATED: Apr 10, 2024

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The average insurance prices for a Toyota C-Hr are $960 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $198 each year, collision costs $352, and liability costs $300. A liability-only policy costs as little as $342 a year, with high-risk insurance 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:

Comprehensive $198
Collision $352
Liability $300

Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and C-Hr models.

Price Range Variability

For the average driver, Toyota C-Hr insurance rates go from the cheapest price of $342 for just liability coverage to a high rate of $2,074 for a driver who has had serious violations or accidents.

Liability Only $342
Full Coverage $960
High Risk $2,074

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates how location impacts auto insurance prices.

Rural Areas $720
Small Cities $1,008
Large Cities $1,296

The examples above illustrate why all drivers should compare rates using their specific location and their own driving history, instead of making a decision based 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.

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Detailed Rate Analysis

The chart below illustrates estimated Toyota C-Hr insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $553
  • Drivers who choose higher $1,000 deductibles will pay $124 each year
  • The average price for a good driver age 40 who chooses $500 deductibles is $960
  • Choosing low deductibles for comprehensive and collision insurance costs an extra $244 annually
  • Drivers with multiple violations and an at-fault accident could pay around $2,074 or more
  • Policy cost to insure a 16-year-old driver can cost $3,596 a year

View Chart as Image

Toyota C-Hr insurance cost comparison chart
Column chart showing full coverage Toyota C-Hr insurance prices range from $553 to $3,596

Car insurance rates for a Toyota C-Hr also range considerably based on liability limits and deductibles, your risk profile, and the model of your C-Hr.

Choosing high deductibles could save up to $370 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $270 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $3,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 127% more than average. View High Risk Driver Rates

Your home state makes a big difference in Toyota C-Hr insurance prices. A 40-year-old driver could pay as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,300 on average in Florida, New York, and Michigan.

Toyota C-Hr Insurance Rates by State
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%

View Chart as Image

Toyota C-Hr insurance rates by U.S. city

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Every company uses a different rate calculation, so rate quotes will be varied.

Toyota C-Hr Insurance Rates by Model Year
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 the Best Toyota C-Hr Insurance

Finding cheaper rates on insurance for a Toyota C-Hr not only requires being a low-risk driver, but also maintaining a good credit score, being claim-free, and avoiding coverage lapses. Spend time shopping around every other policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a brief recap of the ideas that were touched on above.

  • Teen drivers pay the highest auto insurance rates, possibly costing $300 each month if the policy includes full coverage
  • Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,110 more per year to insure their C-Hr
  • Increasing comprehensive and collision deductibles could save as much as $375 each year
  • It is possible to save around $120 per year simply by quoting online in advance

Rates by Driver Age

Toyota C-Hr Insurance 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

Toyota C-Hr Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,204
$250 $1,092
$500 $960
$1,000 $836

Full coverage, driver age 40

Rates by Liability Limit

Toyota C-Hr Insurance Rates with Different Liability Limits
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

Toyota C-Hr Insurance 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.

SR-22 Surcharge $134

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
Rate after discounts $553

Discounts are estimated and may not be available from every company or in every state.

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