Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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The average insurance prices for a Toyota C-Hr are $988 every 12 months for full coverage insurance. Comprehensive costs on average $206 each year, collision insurance costs $374, and liability coverage costs $298. Liability-only insurance costs as little as $340 a year, and high-risk driver insurance costs around $2,136. Teens cost the most to insure at up to $3,678 a year.
Average premium for full coverage: $988
Policy rates by type of insurance:
Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and C-Hr models.
Price Range Variability
For the normal driver, Toyota C-Hr insurance rates range from the cheapest price of $340 for your basic liability-only policy to a high rate of $2,136 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects car insurance rates.
The examples above illustrate why all drivers should compare rates based on a specific location and their own driving history, rather than using averaged prices.
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 Information
The chart below illustrates average Toyota C-Hr insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $567
- Drivers who choose higher $1,000 deductibles will pay around $130 each year
- The average price for a good driver age 40 with $500 deductibles is $988
- Selecting low deductibles for comprehensive and collision insurance increases the price to $1,246
- High-risk insureds with serious driving violations could pay upwards of $2,136
- Policy cost to insure a teenage driver may cost $3,678 a year
Auto insurance rates for a Toyota C-Hr also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your C-Hr.
Choosing higher comprehensive and collision insurance deductibles could save up to $390 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $268 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $3,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 135% more than the average policy. View High Risk Driver Rates
Your home state makes a big difference in Toyota C-Hr insurance rates. A 40-year-old driver could pay as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,340 on average in Michigan, New York, and Florida.
| 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 Shop for Low Cost Toyota C-Hr Insurance
Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit score, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by requesting rates from direct insurance companies, and also from several local insurance agents.
The following list is a review of the concepts that were presented in the illustrations above.
- Drivers who have several accidents or serious violations pay on average $1,150 more each year than a safer driver
- Drivers age 16 to 20 are charged the highest rates, possibly costing $307 each month if comprehensive and collision insurance is included
- It is possible to save as much as $120 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $400 each year
- It is possible to save as much as $120 per year just by quoting online in advance
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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