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 prices for a Toyota C-Hr are $960 every 12 months for full coverage. Comprehensive insurance costs on average $198 a year, collision costs $352, and liability is estimated at $300. A policy with just liability insurance costs approximately $342 a year, with coverage for high-risk drivers costing $2,074 or more. Teenage drivers pay the highest rates at $3,596 a year or more.
Average premium for full coverage: $960
Price estimates by individual coverage:
Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and C-Hr trim levels.
Price Range from Low to High
For a driver around age 40, Toyota C-Hr insurance prices go from the cheapest price of $342 for minimum levels of liability insurance to a high of $2,074 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above show why it is important to get quotes based on a specific location and their own driving history, instead of using 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.
Additional Rate Details
The chart below shows estimated Toyota C-Hr insurance rates for different risk profiles and scenarios.
- The best discount rate is $553
- Choosing higher $1,000 deductibles can save around $836 a year
- The average price for the average middle-age driver with $500 deductibles is $960
- Using low $100 deductibles for comp and collision coverage costs an extra $244 every year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,074 or more
- The price to insure a teen driver may cost $3,596 each year
Insurance prices for a Toyota C-Hr are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your C-Hr.
Using high physical damage deductibles can save as much as $370 every year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $270 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $3,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 127% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Toyota C-Hr insurance prices. A good driver about age 40 could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,370 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices 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 Shop for Low Cost Toyota C-Hr Insurance
Getting lower rates on car insurance takes being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Set aside time to compare rates at least once a year by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a review of the primary concepts that were covered above.
- Drivers can save as much as $120 per year simply by quoting early and online
- Higher risk drivers who have several accidents or serious violations pay an average of $1,110 more each year for auto insurance
- Increasing physical damage deductibles could save as much as $375 each year
- Teenage drivers pay the highest prices, with premiums as much as $300 a month if they have full coverage
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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