Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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U.S. average insurance rates for a Toyota C-Hr are $960 a year including full coverage. Comprehensive insurance costs on average $198 each year, collision costs $352, and liability coverage is estimated at $300. Liability-only insurance costs approximately $342 a year, with high-risk driver insurance costing $2,074 or more. Teens pay the highest rates at $3,596 a year or more.
Average premium for full coverage: $960
Price estimates by individual coverage:
Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and C-Hr models.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota C-Hr insurance prices go from the low end price of $342 for your basic liability-only policy to a high rate of $2,074 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects car insurance rates.
The ranges above highlight why all drivers should get quotes based on a specific location, rather than using 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.
More Rate Information
The chart below breaks down estimated Toyota C-Hr insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $553
- Choosing higher $1,000 deductibles can save around $124 every year
- The estimated price for the average middle-age driver with $500 deductibles is $960
- Selecting low deductibles for comp and collision coverage will cost an additional $244 each year
- Drivers with serious driving violations could pay upwards of $2,074 or more
- The price that insures a teenage driver may cost $3,596 each year
Car insurance prices for a Toyota C-Hr are also quite variable based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers ranges around 44% to 127% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $3,500 a year. View Rates by Age
The state you live in plays a big part in determining prices for Toyota C-Hr insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,370 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $370 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $270 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer calculates prices differently, so rate quotes may be quite 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 Find More Affordable Toyota C-Hr Insurance
Getting lower rates on auto insurance takes having a good driving record, having a positive credit history, being claim-free, and maximizing policy discounts. Compare rates once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The next list is a summary of the data that was raised in the charts and tables above.
- You may be able to save as much as $120 per year simply by quoting online in advance
- Consumers who require increased levels of liability coverage will pay approximately $330 per year to raise limits from a low limit to the 250/500 level
- Drivers age 20 and younger are expensive to insure, possibly costing $300 a month if full coverage is purchased
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,110 more each year to buy Toyota C-Hr insurance
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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