Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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U.S. average insurance rates for a Toyota C-Hr are $988 a year including full coverage. Comprehensive insurance costs approximately $206 each year, collision costs $374, and liability is $298. Buying just liability costs around $340 a year, with insurance for high-risk drivers costing $2,136 or more. Teen drivers pay the highest rates at $3,678 a year or more.
Average premium for full coverage: $988
Price estimates by individual coverage:
Prices include $500 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and C-Hr models.
Price Range from Low to High
For a driver around age 40, Toyota C-Hr insurance prices go from as low as $340 for just liability insurance to a high rate of $2,136 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above highlight why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on 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.
More Rate Details
The chart below breaks down estimated Toyota C-Hr insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $567
- Raising to $1,000 deductibles will save $130 every year
- The average rate for the average middle-age driver who chooses $500 deductibles is $988
- Choosing low deductibles will cost an extra $258 annually
- Drivers with multiple violations and an at-fault accident could pay around $2,136 or more
- The price for full coverage for a 16-year-old driver can cost $3,678
Insurance prices for a Toyota C-Hr are also quite variable based on your driving record, the model of your C-Hr, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents 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 should be prepared to pay in the ballpark of $3,600 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 $760 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,410 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles can reduce prices by up to $390 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $268 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,600 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 135% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and prices may be quite different from one company to the next.
| 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 Find the Right Toyota C-Hr Insurance
Getting lower rates on insurance for a Toyota C-Hr consists of not taking risks behind the wheel, having a good credit history, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following is a quick rundown of the car insurance concepts covered above.
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,150 more per year for C-Hr insurance
- You may be able to save around $120 per year simply by quoting online in advance
- Increasing physical damage deductibles can save around $400 each year
- Insureds who purchase higher liability limits will pay about $330 per year to raise from a low limit to 250/500 limits
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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