Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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Average insurance prices for a Toyota C-Hr are $988 every 12 months with full coverage. Comprehensive insurance costs around $206 a year, collision costs $374, and liability is estimated at $298. A liability-only policy costs approximately $340 a year, with high-risk insurance costing $2,136 or more. Teen drivers receive the highest rates at $3,678 a year or more.
Average premium for full coverage: $988
Rate estimates for individual coverage type:
Includes $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and C-Hr trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $340 for a discount liability-only rate to a high of $2,136 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than larger metro areas.
The diagram below illustrates how location impacts auto insurance rates.
These examples demonstrate why it is important to get quotes for a specific zip code and their own driving history, instead of using price 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.
Rates by State, City, and Model
The chart below details estimated Toyota C-Hr insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $567
- Choosing higher $1,000 deductibles can save about $858 annually
- The average price for a 40-year-old driver using $500 deductibles is $988
- Choosing low $100 deductibles for comp and collision coverage costs an extra $258 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,136 or more
- The cost to insure a teen driver can be $3,678 each year
Insurance rates for a Toyota C-Hr can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Choosing high deductibles can save as much as $390 every year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $268 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. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $3,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,200 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 135% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Toyota C-Hr insurance prices. A good driver about age 40 could pay as low as $710 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,340 on average in Florida, Michigan, 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% |
With so much variability in rates, the best way to find out your exact price is to get quotes and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates can be significantly different.
| 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 the Cheapest Toyota C-Hr Insurance
Saving money on car insurance takes not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a recap of the data that was touched on above.
- You may be able to save up to $120 per year simply by quoting early and online
- Policyholders who may need higher liability limits will pay about $330 every year to raise limits from a minimum limit to a 250/500 level
- Teens pay higher rates, with premiums as much as $307 per month if they have full coverage
- Higher risk drivers that have major violations or accidents pay on average $1,150 more every year for C-Hr insurance
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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