Toyota C-Hr Insurance Rates
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UPDATED: Apr 10, 2024
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The average auto insurance rates for a Toyota C-Hr are $1,022 annually for full coverage. Comprehensive costs around $216, collision insurance costs $404, and liability is $292. Liability-only coverage costs around $336 a year, and high-risk coverage costs around $2,206. Teenage drivers cost the most to insure at up to $3,778 a year.
Average premium for full coverage: $1,022
Policy rates for type of insurance:
Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different C-Hr trim levels.
Price Range Variability
Using a middle-aged driver as an example, Toyota C-Hr insurance rates range from as cheap as $336 for just the minimum liability insurance to a much higher rate of $2,206 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of using 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 Analysis
The chart below shows average Toyota C-Hr insurance rates for additional coverage choices and driver risks.
- The best discount rate is $583
- Raising to $1,000 deductibles will save about $140 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,022
- Using more expensive low deductibles will cost $1,294
- At-risk drivers who are prone to accidents and violations could pay at least $2,206
- Policy cost with full coverage for a teen driver with full coverage can be $3,778
Insurance rates for a Toyota C-Hr also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $3,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $420 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $263 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Toyota C-Hr insurance prices. A middle-age driver might find rates as low as $670 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,460 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $922 | -$100 | -9.8% |
| Alaska | $782 | -$240 | -23.5% |
| Arizona | $848 | -$174 | -17.0% |
| Arkansas | $1,022 | -$0 | 0.0% |
| California | $1,162 | $140 | 13.7% |
| Colorado | $974 | -$48 | -4.7% |
| Connecticut | $1,048 | $26 | 2.5% |
| Delaware | $1,154 | $132 | 12.9% |
| Florida | $1,272 | $250 | 24.5% |
| Georgia | $944 | -$78 | -7.6% |
| Hawaii | $734 | -$288 | -28.2% |
| Idaho | $692 | -$330 | -32.3% |
| Illinois | $760 | -$262 | -25.6% |
| Indiana | $768 | -$254 | -24.9% |
| Iowa | $690 | -$332 | -32.5% |
| Kansas | $970 | -$52 | -5.1% |
| Kentucky | $1,390 | $368 | 36.0% |
| Louisiana | $1,510 | $488 | 47.7% |
| Maine | $628 | -$394 | -38.6% |
| Maryland | $842 | -$180 | -17.6% |
| Massachusetts | $814 | -$208 | -20.4% |
| Michigan | $1,774 | $752 | 73.6% |
| Minnesota | $854 | -$168 | -16.4% |
| Mississippi | $1,224 | $202 | 19.8% |
| Missouri | $904 | -$118 | -11.5% |
| Montana | $1,098 | $76 | 7.4% |
| Nebraska | $804 | -$218 | -21.3% |
| Nevada | $1,224 | $202 | 19.8% |
| New Hampshire | $738 | -$284 | -27.8% |
| New Jersey | $1,140 | $118 | 11.5% |
| New Mexico | $902 | -$120 | -11.7% |
| New York | $1,076 | $54 | 5.3% |
| North Carolina | $586 | -$436 | -42.7% |
| North Dakota | $834 | -$188 | -18.4% |
| Ohio | $704 | -$318 | -31.1% |
| Oklahoma | $1,046 | $24 | 2.3% |
| Oregon | $938 | -$84 | -8.2% |
| Pennsylvania | $974 | -$48 | -4.7% |
| Rhode Island | $1,360 | $338 | 33.1% |
| South Carolina | $924 | -$98 | -9.6% |
| South Dakota | $860 | -$162 | -15.9% |
| Tennessee | $894 | -$128 | -12.5% |
| Texas | $1,230 | $208 | 20.4% |
| Utah | $756 | -$266 | -26.0% |
| Vermont | $698 | -$324 | -31.7% |
| Virginia | $612 | -$410 | -40.1% |
| Washington | $788 | -$234 | -22.9% |
| West Virginia | $938 | -$84 | -8.2% |
| Wisconsin | $706 | -$316 | -30.9% |
| Wyoming | $908 | -$114 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota C-Hr | $266 | $470 | $246 | $1,092 |
| 2023 Toyota C-Hr | $254 | $452 | $258 | $1,074 |
| 2022 Toyota C-Hr | $244 | $448 | $264 | $1,066 |
| 2021 Toyota C-Hr | $236 | $436 | $274 | $1,056 |
| 2020 Toyota C-Hr | $228 | $418 | $284 | $1,040 |
| 2019 Toyota C-Hr | $216 | $404 | $292 | $1,022 |
| 2018 Toyota C-Hr | $206 | $374 | $298 | $988 |
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 More Affordable Toyota C-Hr Insurance
Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following is a summary of the concepts that were touched on in the above illustrations.
- Higher risk drivers who have multiple accidents or major violations pay an average of $1,180 more every year for C-Hr insurance
- Teens are charged the highest rates, costing up to $315 each month if they have full coverage
- Drivers can save up to $120 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Drivers can save up to $120 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,778 |
| 20 | $2,350 |
| 30 | $1,068 |
| 40 | $1,022 |
| 50 | $934 |
| 60 | $916 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,294 |
| $250 | $1,166 |
| $500 | $1,022 |
| $1,000 | $882 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,022 |
| 50/100 | $1,080 |
| 100/300 | $1,153 |
| 250/500 | $1,343 |
| 100 CSL | $1,110 |
| 300 CSL | $1,270 |
| 500 CSL | $1,387 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,402 |
| 20 | $3,744 |
| 30 | $2,256 |
| 40 | $2,206 |
| 50 | $2,106 |
| 60 | $2,088 |
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 | $55 |
| Multi-vehicle | $54 |
| Homeowner | $15 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $48 |
| Advance Quote | $51 |
| Online Quote | $73 |
| Total Discounts | $439 |
Discounts are estimated and may not be available from every company or in every state.
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