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 $1,022 annually including full coverage. Comprehensive insurance costs around $216 a year, collision insurance costs $404, and liability costs $292. A policy with just liability insurance costs as little as $336 a year, and coverage for high-risk drivers costs $2,206 or more. Teens receive the highest rates at up to $3,778 a year.
Average premium for full coverage: $1,022
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and C-Hr trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $336 for just liability coverage to a high of $2,206 for high-risk insurance.
Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.
These examples highlight why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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.
Detailed Rate Analysis
The chart below breaks down average Toyota C-Hr insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $583
- Drivers who choose higher $1,000 deductibles will pay about $882 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,022
- Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $272 annually
- Drivers with serious driving violations could pay at least $2,206
- The cost with full coverage for a 16-year-old driver can be $3,778 a year
Insurance rates for a Toyota C-Hr can also vary considerably based on the trim level of your C-Hr, your driving characteristics, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,000 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 $3,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,200 to $1,700 additional per year, depending on your age. A high-risk auto insurance policy can cost from 45% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $420 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $263 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 $780 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,460 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Cheaper Toyota C-Hr Insurance
Saving money on insurance for a Toyota C-Hr not only requires being safe and accident-free, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around every couple of years by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below you'll find a condensed summary of the material that was touched on above.
- Insureds who may need more liability protection will pay approximately $320 per year to go from a minimum limit to higher 250/500 limits
- Youthful drivers are charged the highest rates, as much as $315 per month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,180 more every year than a low-risk driver
- Increasing deductibles could save up to $400 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,294 |
| $250 | $1,166 |
| $500 | $1,022 |
| $1,000 | $882 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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