Toyota C-Hr Insurance Rates
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Michelle Robbins
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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 for full coverage insurance. Comprehensive insurance costs approximately $198, collision costs $352, and liability is $300. A policy with just liability insurance costs around $342 a year, with coverage for high-risk drivers costing $2,074 or more. 16-year-old drivers 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 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different C-Hr trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota C-Hr insurance prices go from as low as $342 for just the minimum liability insurance to a much higher rate of $2,074 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities.
The price range example below illustrates how rural and urban location affects auto insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based 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 additional coverage and risk scenarios.
- The best full coverage rate is $553
- Raising to $1,000 deductibles will save $124 each year
- The average rate for the average middle-age driver who chooses $500 deductibles is $960
- Buying more expensive low deductibles will cost an extra $244 annually
- Drivers with multiple tickets or accidents could pay around $2,074 or more
- The price for full coverage for a 16-year-old driver with full coverage can cost $3,596
Insurance prices for a Toyota C-Hr are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $3,500 a year. View Rates by Age
The state you live in also has a big influence on Toyota C-Hr insurance prices. A middle-age driver might find prices 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% |
Opting for high physical damage deductibles can reduce prices by up to $370 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $270 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 127% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.
| 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 insurance for a Toyota C-Hr consists of being a good driver, maintaining good credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following list is a summary of the ideas that were raised in the charts and tables above.
- Drivers age 16 to 20 are expensive to insure, as much as $300 a month for full coverage
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,110 more per year than a safer driver
- Increasing physical damage deductibles can save around $375 each year
- It is possible to save around $120 per year simply by shopping early and online
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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