Toyota C-Hr Insurance Rates
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Michelle Robbins
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UPDATED: Apr 10, 2024
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Average auto insurance rates for a Toyota C-Hr are $960 annually for full coverage insurance. Comprehensive insurance costs an estimated $198 each year, collision insurance costs $352, and liability is estimated at $300. Liability-only coverage costs approximately $342 a year, and high-risk coverage costs $2,074 or more. Teen drivers receive the highest rates at up to $3,596 a year.
Average premium for full coverage: $960
Rate estimates broken down by individual coverage type:
Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and C-Hr models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $342 for just liability insurance to a high rate of $2,074 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have fewer physical damage claims than larger metro areas. The graphic below illustrates how geographic area affects insurance prices.
These examples illustrate why all drivers should get quotes for a targeted area and their own personal driving habits, 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.
More Rate Details
The chart below illustrates average Toyota C-Hr insurance rates for other coverage scenarios.
- The lowest rate with discounts is $553
- Choosing higher $1,000 deductibles can save approximately $124 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $960
- Choosing low deductibles for comp and collision coverage costs an additional $244 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,074
- The cost with full coverage for a 16-year-old driver can cost as much as $3,596 each year
Car insurance rates for a Toyota C-Hr can also vary considerably based on the trim level of your C-Hr, your risk profile, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $3,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers ranges from 44% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $370 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $270 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Toyota C-Hr insurance prices. A good driver about age 40 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.
| 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
Saving money on insurance for a Toyota C-Hr takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates every time your policy renews by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The next list is a brief review of the information presented in the illustrations above.
- It is possible to save approximately $120 per year just by quoting online in advance
- Drivers age 20 and younger have the highest car insurance rates, costing up to $300 per month if comprehensive and collision insurance is included
- Increasing deductibles could save up to $375 each year
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,110 more annually to buy Toyota C-Hr insurance
- Insureds who want increased levels of liability coverage will pay about $330 annually to raise limits from a minimum limit to higher 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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