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 $988 every 12 months with full coverage. Comprehensive costs an estimated $206 a year, collision insurance costs $374, and liability costs around $298. Liability-only coverage costs as low as $340 a year, and high-risk coverage costs around $2,136. Teenage drivers cost the most to insure at up to $3,678 a year.

Average premium for full coverage: $988

Policy rates broken down by type of insurance:

Comprehensive $206
Collision $374
Liability $298

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and C-Hr trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Toyota C-Hr insurance rates range from the cheapest price of $340 for your basic liability-only policy to a high of $2,136 for a policy for a high-risk driver.

Liability Only $340
Full Coverage $988
High Risk $2,136

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

Rural Areas $741
Small Cities $1,037
Large Cities $1,334

The examples above demonstrate why it is important to compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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.

More Rate Information

The chart below details average Toyota C-Hr insurance rates for other coverage scenarios.

  • The best discount rate is $567
  • Using higher $1,000 deductibles will save approximately $858 annually
  • The average price for a good driver age 40 who has $500 deductibles is $988
  • Using low $100 deductibles for physical damage coverage increases the price to $1,246
  • High-risk insureds who are prone to accidents and violations could pay up to $2,136
  • Policy cost to insure a 16-year-old driver can cost as much as $3,678 or more

View Chart as Image

Toyota C-Hr insurance cost comparison chart
Column chart showing Toyota C-Hr insurance rates range from $567 to $3,678 for full coverage

Insurance rates for a Toyota C-Hr also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $390 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $268 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $3,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,200 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy can be from 44% to 135% more than a normal policy. 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 $710 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,340 on average in New York, Michigan, and Florida.

Toyota C-Hr Insurance Rates by State
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%

View Chart as Image

Toyota C-Hr insurance rates by U.S. city
Toyota C-Hr Insurance Rates by Model Year
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 Shop for Affordable Toyota C-Hr Insurance

Finding cheaper rates on insurance for a Toyota C-Hr requires being safe and accident-free, having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct companies, and also from your local independent and exclusive agents.

Below you'll find a brief review of the coverage data raised in the charts and tables above.

  • You may be able to save approximately $120 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $400 each year
  • Youthful drivers are expensive to insure, as much as $307 each month if full coverage is included
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,150 more annually than a low-risk driver

Rates by Driver Age

Toyota C-Hr Insurance 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

Toyota C-Hr Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,246
$250 $1,126
$500 $988
$1,000 $858

Full coverage, driver age 40

Rates by Liability Limit

Toyota C-Hr Insurance Rates with Different Liability Limits
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

Toyota C-Hr Insurance 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.

SR-22 Surcharge $138

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
Rate after discounts $567

Discounts are estimated and may not be available from every company or in every state.

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