Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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The average insurance rates for a Toyota C-Hr are $988 a year for full coverage. Comprehensive insurance costs around $206, collision costs $374, and liability insurance costs around $298. Buying just liability costs as low as $340 a year, with insurance for high-risk drivers costing $2,136 or more. Teens cost the most to insure at $3,678 a year or more.
Average premium for full coverage: $988
Policy rates for type of insurance:
Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all C-Hr models.
Price Range Variability
For the average 40-year-old driver, Toyota C-Hr insurance rates go from the low end price of $340 for just liability coverage to the much higher price of $2,136 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.
The example below illustrates the difference location can make on auto insurance rates.
The examples above show why everyone should compare prices for a specific zip code, rather than relying 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 shows estimated Toyota C-Hr insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $567
- Using higher $1,000 deductibles will save about $130 a year
- The estimated price for a good driver age 40 using $500 deductibles is $988
- Selecting pricier low deductibles for physical damage coverage will cost an additional $258 a year
- Drivers with serious driving violations could pay at least $2,136 or more
- Policy cost that insures a teen driver for full coverage can be $3,678 or more
Insurance rates for a Toyota C-Hr also range considerably based on the model of your C-Hr, how you drive, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you could be paying at least $1,200 to $1,600 extra every year, depending on your age. Toyota C-Hr insurance for high-risk drivers can be anywhere from 44% to 135% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $3,600 a year. View Rates by Age
Your home state has a huge impact on Toyota C-Hr insurance rates. A driver around age 40 might see rates as low as $650 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,410 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $390 each year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $268 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know your exact price is to regularly compare rates from as many companies as possible. Each insurance company calculates rates differently, so the rates will be varied.
| 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 Cheapest Toyota C-Hr Insurance
Finding cheaper rates on Toyota C-Hr insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare rates every time your policy renews by getting quotes from direct carriers, and also from several local insurance agents.
Below is a recap of the information touched on in this article.
- Drivers can save up to $120 per year simply by quoting online well ahead of the renewal date
- Teenage drivers pay higher rates, costing up to $307 each month if full coverage is included
- Increasing comprehensive and collision deductibles can save approximately $400 each year
- High-risk drivers that have major violations or accidents pay on average $1,150 more every year for auto insurance
- Drivers who may need higher levels of liability will pay approximately $330 each year to increase from a 30/60 limit to the 250/500 level
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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