Toyota C-Hr Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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:
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.
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.
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
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.
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% |
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
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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