Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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U.S. average auto insurance rates for a Toyota C-Hr are $988 annually for full coverage insurance. Comprehensive insurance costs an estimated $206 each year, collision costs $374, and liability insurance costs $298. Buying just liability costs as little as $340 a year, with insurance for high-risk drivers costing $2,136 or more. 16-year-old drivers pay the highest rates at $3,678 a year or more.
Average premium for full coverage: $988
Price estimates broken down by individual coverage:
Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and C-Hr models.
Price Range from Low to High
For the normal driver, Toyota C-Hr insurance prices go from as cheap as $340 for just the minimum liability insurance to a high rate of $2,136 for coverage for higher-risk drivers.
Geographic Price Range
Your location has a significant impact on the price of insurance. More rural locations have fewer physical damage claims than congested cities.
The graphic below illustrates how geographic area affects insurance prices.
The ranges above illustrate why all drivers should compare rates for a targeted area and their own personal driving habits, rather than relying on 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 Analysis
The chart below illustrates estimated Toyota C-Hr insurance rates for other coverage scenarios.
- The best full coverage rate is $567
- Drivers who choose higher $1,000 deductibles will pay approximately $130 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $988
- Buying low deductibles for comprehensive and collision insurance costs an additional $258 a year
- High risk drivers with multiple tickets or accidents could pay up to $2,136 or more
- The price with full coverage for a teen driver can cost as much as $3,678 a year
Insurance prices for a Toyota C-Hr are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $3,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $1,200 to $1,600 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $390 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $268 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Toyota C-Hr insurance rates. A 40-year-old driver could pay as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,340 on average in Florida, New York, and Michigan.
| 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% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and prices may be quite different between companies.
| 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 Buy the Right Toyota C-Hr Insurance
Getting lower rates on Toyota C-Hr insurance not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at least once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a quick rundown of the primary concepts that were presented in the illustrations above.
- It is possible to save approximately $120 per year simply by quoting online in advance
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,150 more annually for auto insurance
- Increasing physical damage deductibles could save up to $400 each year
- Teenage drivers are expensive to insure, as much as $307 a 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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