Toyota C-Hr Insurance Rates
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Michelle Robbins
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UPDATED: Apr 10, 2024
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Average insurance rates for a Toyota C-Hr are $988 a year including full coverage. Comprehensive costs on average $206 a year, collision costs $374, and liability coverage costs $298. A policy with just liability insurance costs as little as $340 a year, with coverage for high-risk drivers costing around $2,136. 16-year-old drivers receive the highest rates at $3,678 a year or more.
Average premium for full coverage: $988
Rate estimates by individual coverage type:
Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, 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
Using a 40-year-old driver as an example, prices range go from as low as $340 for just liability coverage to a high of $2,136 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than congested cities.
The diagram below illustrates how rural and urban location affects car insurance rates.
These examples highlight why it is important to compare rates based on a specific location and risk profile, rather than using rate 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.
Detailed Rate Analysis
The chart below breaks down estimated Toyota C-Hr insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $567
- Drivers who choose higher $1,000 deductibles will pay around $858 every year
- The average rate for a 40-year-old driver with $500 deductibles is $988
- Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,246
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,136 or more
- The cost for full coverage for a teenage driver may cost $3,678 a year
Insurance rates for a Toyota C-Hr can also vary considerably based on your driver profile, the model of your C-Hr, and policy deductibles and limits.
Older drivers with no violations or accidents and high deductibles may only pay around $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $3,600 a year. View Rates by Age
Where you live makes a big difference in Toyota C-Hr insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,410 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles could save up to $390 a year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $268 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,200 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 135% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company utilizes a different rate formula, and rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota C-Hr | $254 | $452 | $258 | $1,074 |
| 2023 Toyota C-Hr | $244 | $448 | $264 | $1,066 |
| 2022 Toyota C-Hr | $236 | $436 | $274 | $1,056 |
| 2021 Toyota C-Hr | $228 | $418 | $284 | $1,040 |
| 2020 Toyota C-Hr | $216 | $404 | $292 | $1,022 |
| 2019 Toyota C-Hr | $206 | $374 | $298 | $988 |
| 2018 Toyota C-Hr | $198 | $352 | $300 | $960 |
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 auto insurance not only requires having a decent driving record, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around once a year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following items are a quick rundown of the data that was raised in the charts and tables above.
- You may be able to save as much as $120 per year simply by quoting early and online
- Consumers who require additional liability coverage will pay around $330 per year to go from a minimum limit to 250/500 limits
- 16 to 18-year-old drivers pay higher rates, as much as $307 per month including comprehensive and collision insurance
- Drivers with reckless driving or DUI convictions may pay on average $1,150 more each year than a driver with a clean driving record
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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