Toyota C-Hr Insurance Rates
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Michelle Robbins
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UPDATED: Apr 10, 2024
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Estimated auto insurance rates for a Toyota C-Hr are $960 annually with full coverage. Comprehensive insurance costs on average $198 a year, collision insurance costs $352, and liability costs $300. Liability-only coverage costs as little as $342 a year, and high-risk coverage costs $2,074 or more. Teen drivers pay the most at up to $3,596 a year.
Average premium for full coverage: $960
Premium estimates by type of coverage:
Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and C-Hr trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Toyota C-Hr range from as cheap as $342 for just the minimum liability insurance to a high of $2,074 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects car insurance rates.
These rate differences demonstrate why it is important to compare rates based on a specific location and their own personal driving habits, 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 details average Toyota C-Hr insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $553
- Drivers who choose higher $1,000 deductibles will pay around $836 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $960
- Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $244 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,074
- An auto insurance policy with full coverage for a teen driver may cost $3,596 a year
Insurance prices for a Toyota C-Hr also have a wide range based on the model of your C-Hr, your driving record, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $3,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $370 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $270 more per year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Toyota C-Hr insurance prices. A 40-year-old driver could pay as low as $700 a year in states like New Hampshire, Ohio, and Utah, or as much as $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% |
| 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 Buy Affordable Toyota C-Hr Insurance
Finding better rates on car insurance not only requires being a low-risk driver, but also having a good credit history, being claim-free, and determing if full coverage is necessary. Set aside time to shop around once a year by getting price quotes from direct companies, and also from local independent and exclusive agents.
The items below are a brief review of the data that was raised in the charts and tables above.
- You may be able to save as much as $120 per year just by quoting early and online
- Policyholders who require more liability coverage will pay about $330 every year to go from 30/60 bodily injury limits to higher 250/500 limits
- Teen drivers pay the highest prices, possibly costing $300 per month including comprehensive and collision insurance
- Higher risk drivers with DUI or reckless driving convictions pay an average of $1,110 more each year to insure their C-Hr
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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