Toyota C-Hr Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 10, 2024

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Average insurance rates for a Toyota C-Hr are $1,022 a year with full coverage. Comprehensive costs on average $216, collision insurance costs $404, and liability costs around $292. A policy with just liability insurance costs as low as $336 a year, and coverage for high-risk drivers costs around $2,206. Teen drivers receive the highest rates at up to $3,778 a year.

Average premium for full coverage: $1,022

Rate estimates by individual coverage type:

Comprehensive $216
Collision $404
Liability $292

Prices include $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical 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 range from as low as $336 for a discount liability-only rate to the much higher price of $2,206 for a driver required to buy high-risk insurance.

Liability Only $336
Full Coverage $1,022
High Risk $2,206

Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas. The example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $767
Small Cities $1,073
Large Cities $1,380

These examples demonstrate why everyone should compare prices based on a specific location and risk profile, 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.

Rates by State, City, and Model

The chart below details average Toyota C-Hr insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $583
  • Using higher $1,000 deductibles will save around $140 annually
  • The average rate for a 40-year-old driver with $500 deductibles is $1,022
  • Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,294
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,206
  • The cost for full coverage for a 16-year-old driver for full coverage may cost $3,778 or more

View Chart as Image

Toyota C-Hr insurance cost comparison chart
Column chart showing Toyota C-Hr insurance rates range from $583 to $3,778 for full coverage

Insurance rates for a Toyota C-Hr can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,000 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age

Where you live has a huge impact on Toyota C-Hr insurance prices. A driver around age 40 might see rates as low as $740 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,380 on average in Florida, Michigan, and New York.

Toyota C-Hr Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $922 -$100 -9.8%
Alaska $782 -$240 -23.5%
Arizona $848 -$174 -17.0%
Arkansas $1,022 -$0 0.0%
California $1,162 $140 13.7%
Colorado $974 -$48 -4.7%
Connecticut $1,048 $26 2.5%
Delaware $1,154 $132 12.9%
Florida $1,272 $250 24.5%
Georgia $944 -$78 -7.6%
Hawaii $734 -$288 -28.2%
Idaho $692 -$330 -32.3%
Illinois $760 -$262 -25.6%
Indiana $768 -$254 -24.9%
Iowa $690 -$332 -32.5%
Kansas $970 -$52 -5.1%
Kentucky $1,390 $368 36.0%
Louisiana $1,510 $488 47.7%
Maine $628 -$394 -38.6%
Maryland $842 -$180 -17.6%
Massachusetts $814 -$208 -20.4%
Michigan $1,774 $752 73.6%
Minnesota $854 -$168 -16.4%
Mississippi $1,224 $202 19.8%
Missouri $904 -$118 -11.5%
Montana $1,098 $76 7.4%
Nebraska $804 -$218 -21.3%
Nevada $1,224 $202 19.8%
New Hampshire $738 -$284 -27.8%
New Jersey $1,140 $118 11.5%
New Mexico $902 -$120 -11.7%
New York $1,076 $54 5.3%
North Carolina $586 -$436 -42.7%
North Dakota $834 -$188 -18.4%
Ohio $704 -$318 -31.1%
Oklahoma $1,046 $24 2.3%
Oregon $938 -$84 -8.2%
Pennsylvania $974 -$48 -4.7%
Rhode Island $1,360 $338 33.1%
South Carolina $924 -$98 -9.6%
South Dakota $860 -$162 -15.9%
Tennessee $894 -$128 -12.5%
Texas $1,230 $208 20.4%
Utah $756 -$266 -26.0%
Vermont $698 -$324 -31.7%
Virginia $612 -$410 -40.1%
Washington $788 -$234 -22.9%
West Virginia $938 -$84 -8.2%
Wisconsin $706 -$316 -30.9%
Wyoming $908 -$114 -11.2%

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $420 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $263 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,700 additional per year, depending on your age. Toyota C-Hr insurance for high-risk drivers can be from 45% to 131% more than average. View High Risk Driver Rates

Toyota C-Hr Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota C-Hr $266 $470 $246 $1,092
2023 Toyota C-Hr $254 $452 $258 $1,074
2022 Toyota C-Hr $244 $448 $264 $1,066
2021 Toyota C-Hr $236 $436 $274 $1,056
2020 Toyota C-Hr $228 $418 $284 $1,040
2019 Toyota C-Hr $216 $404 $292 $1,022
2018 Toyota C-Hr $206 $374 $298 $988

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 insurance for a Toyota C-Hr requires being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around at every policy renewal by getting quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

Below is a quick rundown of the data raised in the charts and tables above.

  • Insureds who require higher levels of liability will pay about $320 every year to increase from a minimum limit to 250/500 limits
  • You may be able to save as much as $120 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $400 each year
  • Teenage drivers pay higher rates, with premiums as much as $315 per month including comprehensive and collision insurance

Rates by Driver Age

Toyota C-Hr Insurance Rates by Driver Age
Driver Age Premium
16 $3,778
20 $2,350
30 $1,068
40 $1,022
50 $934
60 $916

Full coverage, $500 deductibles

Rates by Deductible

Toyota C-Hr Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,294
$250 $1,166
$500 $1,022
$1,000 $882

Full coverage, driver age 40

Rates by Liability Limit

Toyota C-Hr Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,022
50/100 $1,080
100/300 $1,153
250/500 $1,343
100 CSL $1,110
300 CSL $1,270
500 CSL $1,387

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota C-Hr Insurance Rates for High Risk Drivers
Age Premium
16 $5,402
20 $3,744
30 $2,256
40 $2,206
50 $2,106
60 $2,088

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 $144

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $55
Multi-vehicle $54
Homeowner $15
5-yr Accident Free $77
5-yr Claim Free $66
Paid in Full/EFT $48
Advance Quote $51
Online Quote $73
Total Discounts $439
Rate after discounts $583

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

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