- Toyota C-HR car insurance costs $1,250 per year on average, or around $104 per month for full coverage.
- The 2022 C-HR is one of the cheaper small SUVs to insure, costing $166 less per year on average as compared to the rest of the vehicles in the segment.
- Drivers can find the cheapest Toyota C-HR insurance on the LE trim level at $1,180 per year.
- The Toyota C-HR Limited has the highest rates at $1,322 per year.
How much does Toyota C-HR car insurance cost?
Toyota C-HR insurance rates average $1,250 annually. Depending on the trim level being insured, monthly car insurance cost for a 2022 Toyota C-HR ranges from $98 to $110.
You can expect to pay around $166 less each year to insure a Toyota C-HR when compared to the average rate for all small SUVs, and $301 less per year (19.4%) than the $1,551 average insurance rate for all vehicles.
The following chart breaks down average car insurance rates for a 2022 Toyota C-HR using a range of driver ages, deductible levels, and risk profiles.
|Driver Risk Profile||Annual Rate||Monthly Rate|
|High Risk Driver Age 30||$2,834||$236|
|Safe Driver Age 20||$2,486||$207|
|At-fault Accidents Age 40||$1,768||$147|
|Low Deductibles Age 40||$1,612||$134|
|Safe Driver Age 30||$1,316||$110|
|Safe Driver Age 40||$1,250||$104|
|Safe Driver Age 50||$1,142||$95|
|Safe Driver Age 60||$1,122||$94|
|High Deductibles Age 40||$1,064||$89|
|Discount Rate Age 40||$1,042||$87|
To help you grasp the full range of possible insurance rates, think about the fact that a liability-only policy for a Toyota C-HR in the most affordable parts of Vermont or Ohio can cost as little as $210 a year, while a 16-year-old driver with an at-fault accident in urban Los Angeles, California, might be as high as $10,304 a year for a policy that provides full coverage.
Does C-HR insurance cost less than other small SUVs?
The Toyota C-HR ranks #5 out of 46 total vehicles in the 2022 small SUV class. The C-HR costs an average of $1,250 per year for insurance and the segment average cost is $1,416 annually, a difference of $166 per year.
When rates are compared to other small SUVs, auto insurance for a Toyota C-HR costs $180 less per year than the Toyota RAV4, $76 less than the Honda CR-V, $166 less than the Chevrolet Equinox, and $232 less than the Nissan Rogue.
When compared to all vehicles (not just small SUVs), average Toyota C-HR insurance costs 19.4% less than the national average car insurance rate of $1,551 per year.
The table below shows how car insurance rates for a Toyota C-HR compare to the entire compact SUV segment.
|7||Nissan Rogue Sport||$1,262||$12|
|11||Toyota Corolla Cross||$1,298||$48|
|21||Mitsubishi Eclipse Cross||$1,396||$146|
|34||Hyundai Ioniq 5||$1,502||$252|
|35||Mini Cooper Clubman||$1,504||$254|
|41||Mini Cooper Countryman||$1,572||$322|
|44||Ford Mustang Mach-E||$1,712||$462|
What is the cheapest Toyota C-HR insurance?
With Toyota C-HR insurance rates ranging from $1,180 to $1,322 per year for an average driver, the cheapest trim level to insure is the base LE model at $1,180 per year. On average, plan on paying a minimum of $98 per month for full coverage insurance.
The second cheapest trim level to insure is the XLE at $1,228 per year. The C-HR trim level with the highest insurance cost is the Limited model at $1,322 per year.
The rate table below shows car insurance rates for annual and 6-month policies, plus a monthly budget amount, for each Toyota C-HR package and trim.
|Toyota C-HR Trim Level||Annual Policy||6-month Policy||Per Month|
Additional rate data and possible policy discounts are as follows:
- Qualify for discounts to lower insurance cost. Discounts may be available if the insureds take a defensive driving course, are senior citizens, are accident-free, or many other discounts which could save the average driver as much as $208 per year on Toyota C-HR insurance.
- A clean driving record saves money. If you want to get the most budget-friendly C-HR insurance rates, it’s necessary to be an excellent driver. As a matter of fact, just one or two minor traffic violations could possibly raise policy rates by up to $328 per year. Major violations such as DWI/DUI and reckless driving could raise rates by an additional $1,150 or more.
- Increase physical damage deductibles to save money. Increasing your deductibles from $500 to $1,000 could save around $186 per year for a 40-year-old driver and $362 per year for a 20-year-old driver.
- Low physical damage deductibles increase policy cost. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $194 per year for a 40-year-old driver and $382 per year for a 20-year-old driver.
- Your occupation could save you a few bucks. The large majority of insurance companies offer discounts for specific professions like lawyers, high school and elementary teachers, firefighters, emergency medical technicians, members of the military, doctors, and other occupations. Earning this discount may save between $38 and $158 on your insurance premium.
- High-risk drivers pay extremely high rates. For a 50-year-old driver, being required to buy a high-risk insurance policy increases the cost by $1,474 or more per year.
- Being a cautious driver saves money. Having multiple accidents could cost you more, potentially by an additional $1,752 per year for a 20-year-old driver and even $406 per year for a 50-year-old driver.
- Insuring teen drivers is expensive. Average rates for full coverage C-HR insurance costs $4,534 per year for a 16-year-old driver, $4,222 per year for a 17-year-old driver, and $3,936 per year for a 18-year-old driver.