Toyota C-Hr Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 10, 2024
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Estimated insurance prices for a Toyota C-Hr are $960 every 12 months with full coverage. Comprehensive insurance costs approximately $198 a year, collision costs $352, and liability is $300. A liability-only policy costs around $342 a year, with high-risk insurance costing $2,074 or more. Teens pay the most at $3,596 a year or more.
Average premium for full coverage: $960
Premium estimates by type of coverage:
Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and C-Hr trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota C-Hr go from the cheapest price of $342 for basic liability insurance to a high of $2,074 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion.
The diagram below illustrates how your location can change auto insurance prices.
These rate differences demonstrate why it is important to compare rates quotes using their specific location and their own driving history, 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.
Rate Comparisons
The chart below details estimated Toyota C-Hr insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $553
- Raising to $1,000 deductibles will save $836 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $960
- Selecting low $100 deductibles costs an extra $244 annually
- Drivers with serious driving violations could pay around $2,074 or more
- An auto insurance policy to insure a 16-year-old driver can cost $3,596
Auto insurance prices for a Toyota C-Hr also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your C-Hr.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $370 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $270 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $3,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,100 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 127% more than the average policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Toyota C-Hr insurance prices. A middle-age driver might find prices as low as $700 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,300 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Every auto insurance company calculates prices differently, and quoted prices will be substantially different.
| 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 Shop for the Best Toyota C-Hr Insurance
Finding better rates on insurance for a Toyota C-Hr consists of not taking risks behind the wheel, having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to shop around every other policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The following is a brief recap of the ideas that were illustrated above.
- Teens have the highest car insurance prices, possibly costing $300 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,110 more per year for C-Hr insurance
- Increasing policy deductibles could save as much as $375 each year
- You may be able to save around $120 per year simply by quoting early and online
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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