Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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Average insurance rates for a Toyota C-Hr are $960 a year with full coverage. Comprehensive costs approximately $198, collision costs $352, and liability insurance costs $300. A liability-only policy costs as little as $342 a year, with high-risk insurance costing around $2,074. 16-year-old drivers receive the highest rates at $3,596 a year or more.
Average premium for full coverage: $960
Rate estimates by individual coverage type:
Prices include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all C-Hr models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $342 for just the minimum liability insurance to the much higher price of $2,074 for a high-risk insurance policy.
Price Range by Location
Your location has a significant impact on the price of insurance. Rural locations tend to have a lower frequency of collision claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance prices.
These examples demonstrate why everyone should compare rates using their specific location and risk profile, rather than relying on 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 Analysis
The chart below details estimated Toyota C-Hr insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $553
- Drivers who choose higher $1,000 deductibles will pay $124 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $960
- Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,204
- High risk drivers with multiple tickets or accidents could pay around $2,074 or more
- The cost for full coverage for a teen driver for full coverage can cost $3,596 a year
Insurance rates for a Toyota C-Hr can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $3,500 a year. View Rates by Age
Where you live makes a big difference in Toyota C-Hr insurance rates. A 40-year-old driver could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or at least $1,300 on average in New York, Michigan, and Florida.
| 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 save up to $370 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $270 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,600 extra per year, depending on your age. Toyota C-Hr insurance for high-risk drivers can cost anywhere from 44% to 127% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Every company utilizes a different rate formula, so the rates can be significantly 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 the Right Toyota C-Hr Insurance
Saving money on Toyota C-Hr insurance not only requires being a low-risk driver, but also maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at least every other year by requesting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The items below are a quick rundown of the car insurance concepts raised in the charts and tables above.
- High-risk drivers with reckless driving or DUI convictions pay on average $1,110 more per year to insure their C-Hr
- You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $375 each year
- Drivers who purchase more liability coverage will pay around $330 every year to go from a minimum limit 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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