Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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Average auto insurance rates for a Toyota C-Hr are $988 annually for full coverage insurance. Comprehensive insurance costs around $206 each year, collision insurance costs $374, and liability costs $298. A policy with just liability insurance costs as little as $340 a year, and coverage for high-risk drivers costs $2,136 or more. Teenage drivers receive the highest rates at up to $3,678 a year.
Average premium for full coverage: $988
Rate estimates for individual coverage type:
Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and C-Hr models.
Price Range by Coverage and Risk
For an average driver, prices range range from as cheap as $340 for the bare minimum liability coverage to a high rate of $2,136 for a driver required to buy high-risk insurance.
Price Range by Location
Your location can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.
These examples illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.
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 additional coverage choices and driver risks.
- The best discount rate is $567
- Drivers who choose higher $1,000 deductibles will pay about $130 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $988
- Using low deductibles for comprehensive and collision insurance costs an additional $258 annually
- Drivers who are prone to accidents and violations could pay at least $2,136
- The cost with full coverage for a 16-year-old driver can be $3,678 a year
Insurance rates for a Toyota C-Hr can also vary considerably based on the trim level of your C-Hr, your risk profile, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $3,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,200 to $1,600 additional per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $390 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $268 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Toyota C-Hr insurance prices. A 40-year-old driver could pay as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,340 on average in Michigan, New York, and Florida.
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 | $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 Buy the Best Toyota C-Hr Insurance
Saving money on insurance for a Toyota C-Hr not only requires having a good driving record, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a brief recap of the data covered in the above illustrations.
- Insureds who may need increased levels of liability coverage will pay an extra $330 annually to go from a minimum limit to higher 250/500 limits
- It is possible to save up to $120 per year just by quoting online in advance
- Increasing deductibles could save up to $400 each year
- Drivers age 20 and younger are charged the highest rates, costing up to $307 per month if they have full coverage
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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