Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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The average insurance prices for a Toyota C-Hr are $960 every 12 months for full coverage insurance. Comprehensive costs an estimated $198 each year, collision costs $352, and liability costs around $300. Liability-only insurance costs as low as $342 a year, with high-risk driver insurance costing around $2,074. 16-year-old drivers cost the most to insure at $3,596 a year or more.
Average premium for full coverage: $960
Policy rates broken down by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and C-Hr models.
Price Range Variability
For a driver around age 40, Toyota C-Hr insurance rates go from the cheapest price of $342 for the bare minimum liability coverage to a high rate of $2,074 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on insurance prices.
The examples above illustrate why all drivers should compare prices for a targeted area and their own driving history, instead of 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.
Additional Rate Information
The chart below illustrates estimated Toyota C-Hr insurance rates for other coverage scenarios.
- The best full coverage rate is $553
- Using higher $1,000 deductibles will save approximately $124 each year
- The average price for a good driver age 40 who has $500 deductibles is $960
- Buying low deductibles for physical damage coverage increases the price to $1,204
- Drivers with multiple tickets or accidents could pay up to $2,074 or more
- Policy cost to insure a teen driver can cost as much as $3,596 or more
Auto insurance rates for a Toyota C-Hr also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $370 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $270 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $3,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,100 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 127% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Toyota C-Hr insurance prices. A driver around age 40 might see rates as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,300 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted rates will be varied.
| 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 cheaper rates on car insurance requires having a decent driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The following items are a brief recap of the data covered above.
- Policyholders who want additional liability coverage will pay around $330 annually to increase from a 30/60 limit to a 250/500 level
- It is possible to save approximately $120 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $375 each year
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $300 each month if comprehensive and collision insurance is included
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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