Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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Estimated insurance prices for a Toyota C-Hr are $988 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $206, collision insurance costs $374, and liability coverage is $298. A liability-only policy costs around $340 a year, and high-risk insurance costs $2,136 or more. 16-year-old drivers pay the most at up to $3,678 a year.
Average premium for full coverage: $988
Premium estimates broken down by type of coverage:
Prices include $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all C-Hr models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Toyota C-Hr range from the cheapest price of $340 for the bare minimum liability coverage to the much higher price of $2,136 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities. The example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences illustrate why everyone should compare rates quotes for a targeted area and their own driving history, 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 illustrates average Toyota C-Hr insurance rates for other coverage scenarios.
- The best full coverage rate is $567
- Raising to $1,000 deductibles will save approximately $130 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $988
- Buying pricier low deductibles costs an extra $258 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,136
- An auto insurance policy to insure a teenage driver for full coverage can cost as much as $3,678
Auto insurance prices for a Toyota C-Hr also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce prices by up to $390 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $268 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $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 will have to pay at least $3,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,200 to $1,600 in extra premium annually, depending on your age. Toyota C-Hr insurance for high-risk drivers is expensive and can cost around 44% to 135% more than the average rate. 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 $650 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,340 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $894 | -$94 | -9.5% |
| Alaska | $758 | -$230 | -23.3% |
| Arizona | $822 | -$166 | -16.8% |
| Arkansas | $988 | -$0 | 0.0% |
| California | $1,128 | $140 | 14.2% |
| Colorado | $944 | -$44 | -4.5% |
| Connecticut | $1,016 | $28 | 2.8% |
| Delaware | $1,118 | $130 | 13.2% |
| Florida | $1,234 | $246 | 24.9% |
| Georgia | $916 | -$72 | -7.3% |
| Hawaii | $712 | -$276 | -27.9% |
| Idaho | $670 | -$318 | -32.2% |
| Illinois | $738 | -$250 | -25.3% |
| Indiana | $744 | -$244 | -24.7% |
| Iowa | $670 | -$318 | -32.2% |
| Kansas | $938 | -$50 | -5.1% |
| Kentucky | $1,348 | $360 | 36.4% |
| Louisiana | $1,462 | $474 | 48.0% |
| Maine | $610 | -$378 | -38.3% |
| Maryland | $816 | -$172 | -17.4% |
| Massachusetts | $790 | -$198 | -20.0% |
| Michigan | $1,718 | $730 | 73.9% |
| Minnesota | $830 | -$158 | -16.0% |
| Mississippi | $1,184 | $196 | 19.8% |
| Missouri | $876 | -$112 | -11.3% |
| Montana | $1,062 | $74 | 7.5% |
| Nebraska | $778 | -$210 | -21.3% |
| Nevada | $1,188 | $200 | 20.2% |
| New Hampshire | $714 | -$274 | -27.7% |
| New Jersey | $1,104 | $116 | 11.7% |
| New Mexico | $876 | -$112 | -11.3% |
| New York | $1,042 | $54 | 5.5% |
| North Carolina | $570 | -$418 | -42.3% |
| North Dakota | $810 | -$178 | -18.0% |
| Ohio | $682 | -$306 | -31.0% |
| Oklahoma | $1,014 | $26 | 2.6% |
| Oregon | $908 | -$80 | -8.1% |
| Pennsylvania | $944 | -$44 | -4.5% |
| Rhode Island | $1,320 | $332 | 33.6% |
| South Carolina | $898 | -$90 | -9.1% |
| South Dakota | $834 | -$154 | -15.6% |
| Tennessee | $864 | -$124 | -12.6% |
| Texas | $1,192 | $204 | 20.6% |
| Utah | $734 | -$254 | -25.7% |
| Vermont | $676 | -$312 | -31.6% |
| Virginia | $592 | -$396 | -40.1% |
| Washington | $764 | -$224 | -22.7% |
| West Virginia | $910 | -$78 | -7.9% |
| Wisconsin | $686 | -$302 | -30.6% |
| Wyoming | $880 | -$108 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota C-Hr | $254 | $452 | $258 | $1,074 |
| 2023 Toyota C-Hr | $244 | $448 | $264 | $1,066 |
| 2022 Toyota C-Hr | $236 | $436 | $274 | $1,056 |
| 2021 Toyota C-Hr | $228 | $418 | $284 | $1,040 |
| 2020 Toyota C-Hr | $216 | $404 | $292 | $1,022 |
| 2019 Toyota C-Hr | $206 | $374 | $298 | $988 |
| 2018 Toyota C-Hr | $198 | $352 | $300 | $960 |
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 Right Toyota C-Hr Insurance
Finding better rates on auto insurance consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The next list is a quick rundown of the car insurance concepts covered above.
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,150 more annually to buy Toyota C-Hr insurance
- It is possible to save approximately $120 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $400 each year
- Consumers who want increased levels of liability coverage will pay around $330 annually to raise from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,678 |
| 20 | $2,272 |
| 30 | $1,034 |
| 40 | $988 |
| 50 | $906 |
| 60 | $888 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,246 |
| $250 | $1,126 |
| $500 | $988 |
| $1,000 | $858 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $988 |
| 50/100 | $1,048 |
| 100/300 | $1,122 |
| 250/500 | $1,316 |
| 100 CSL | $1,077 |
| 300 CSL | $1,241 |
| 500 CSL | $1,361 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,254 |
| 20 | $3,620 |
| 30 | $2,180 |
| 40 | $2,136 |
| 50 | $2,038 |
| 60 | $2,018 |
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 | $53 |
| Multi-vehicle | $52 |
| Homeowner | $15 |
| 5-yr Accident Free | $73 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $45 |
| Advance Quote | $49 |
| Online Quote | $70 |
| Total Discounts | $421 |
Discounts are estimated and may not be available from every company or in every state.
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