Toyota C-Hr Insurance Rates

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UPDATED: Apr 10, 2024

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Estimated auto insurance rates for a Toyota C-Hr are $988 annually including full coverage. Comprehensive costs on average $206 a year, collision insurance costs $374, and liability insurance costs around $298. Liability-only insurance costs as low as $340 a year, and high-risk driver insurance costs around $2,136. Teenage drivers pay the most at up to $3,678 a year.

Average premium for full coverage: $988

Premium estimates by type of coverage:

Comprehensive $206
Collision $374
Liability $298

These estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and C-Hr trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Toyota C-Hr range from as cheap as $340 for minimum levels of liability insurance to a high of $2,136 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.

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

These rate differences highlight why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying 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.

Additional Rate Details

The chart below breaks down average Toyota C-Hr insurance rates for different risk profiles and scenarios.

  • The best discount rate is $567
  • Using higher $1,000 deductibles will save around $858 every year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $988
  • Using low $100 deductibles for physical damage coverage will cost $1,246
  • Drivers who are prone to accidents and violations could pay upwards of $2,136
  • An auto insurance policy with full coverage for a teen driver may cost $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 prices for a Toyota C-Hr also have a wide range based on the model of your C-Hr, your driving characteristics, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $3,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $390 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $268 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Toyota C-Hr insurance rates. A driver around age 40 might see prices as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,410 on average in Michigan, New York, and Louisiana.

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 Buy Cheap Toyota C-Hr Insurance

Finding better rates on Toyota C-Hr insurance requires having a good driving record, having good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies, and also from several local insurance agents.

The next list is a brief summary of the data covered in the above illustrations.

  • Drivers who require increased levels of liability coverage will pay an extra $330 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
  • You may be able to save as much as $120 per year just by quoting early and online
  • Increasing policy deductibles could save up to $400 each year
  • Drivers age 20 and younger pay higher prices, with the cost nearing $307 per month if they have full coverage

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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