How Much Does Toyota C-HR Car Insurance Cost?

How does Toyota C-HR insurance cost compare to other compact SUVs? We compare car insurance rates on the LE model up to the Limited to see where it ranks.

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  • Toyota C-HR car insurance costs $1,404 per year on average, or around $117 per month for full coverage.
  • The 2022 C-HR is one of the cheaper small SUVs to insure, costing $173 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 $1,328 per year.
  • The Toyota C-HR Limited has the highest rates at $1,472 per year.

How much does Toyota C-HR car insurance cost?

Toyota C-HR insurance rates average $1,404 annually. Depending on the trim level being insured, monthly car insurance cost for a 2022 Toyota C-HR ranges from $111 to $123.

You can expect to pay around $173 less each year to insure a Toyota C-HR when compared to the average rate for all small SUVs, and $324 less per year (20.7%) than the $1,728 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Toyota C-HR with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Toyota C-HR trim levels.Data last updated on August 11, 2023
Toyota C-HR Insurance Cost Summary
2022 Toyota C-HR Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,190$266
Safe Driver Age 20$2,790$233
At-fault Accidents Age 40$1,988$166
Low Deductibles Age 40$1,802$150
Safe Driver Age 30$1,474$123
Safe Driver Age 40$1,404$117
Safe Driver Age 50$1,280$107
Safe Driver Age 60$1,256$105
High Deductibles Age 40$1,196$100
Discount Rate Age 40$1,168$97

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 $10,706 a year for a policy that provides full coverage.

Does C-HR insurance cost less than other small SUVs?

The Toyota C-HR ranks fifth out of 45 total vehicles in the 2022 small SUV class. The C-HR costs an average of $1,404 per year for insurance and the segment average cost is $1,577 annually, a difference of $173 per year.

When rates are compared to other small SUVs, auto insurance for a Toyota C-HR costs $198 less per year than the Toyota RAV4, $82 less than the Honda CR-V, $190 less than the Chevrolet Equinox, and $264 less than the Nissan Rogue.

When compared to all vehicles (not just small SUVs), average Toyota C-HR insurance costs 20.7% less than the national average car insurance rate of $1,728 per year.

The table below shows how car insurance rates for a Toyota C-HR compare to the entire compact SUV segment.

Insurance Cost Comparison: Toyota C-HR vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-5$1,288-$116
2Nissan Kicks$1,326-$78
3Chevrolet Trailblazer$1,336-$68
4Subaru Crosstrek$1,364-$40
5Toyota C-HR$1,404--
6Buick Encore$1,406$2
7Nissan Rogue Sport$1,418$14
8Buick Envision$1,442$38
9Kia Seltos$1,448$44
10Hyundai Venue$1,448$44
11Ford Bronco Sport$1,454$50
12Toyota Corolla Cross$1,458$54
13Subaru Forester$1,464$60
14Hyundai Kona$1,470$66
15Volkswagen Tiguan$1,474$70
16Honda CR-V$1,486$82
17Mazda CX-30$1,504$100
18Honda HR-V$1,534$130
19Ford Ecosport$1,544$140
20GMC Terrain$1,562$158
21Chevrolet Trax$1,566$162
22Mitsubishi Eclipse Cross$1,566$162
23Hyundai Tucson$1,584$180
24Chevrolet Bolt$1,592$188
25Chevrolet Equinox$1,594$190
26Volkswagen Taos$1,598$194
27Toyota RAV4$1,602$198
28Fiat 500X$1,604$200
29Kia Soul$1,616$212
30Mazda MX-30$1,636$232
31Jeep Compass$1,654$250
32Kia Niro$1,654$250
33Nissan Rogue$1,668$264
34Ford Escape$1,674$270
35Hyundai Ioniq 5$1,684$280
36Mini Cooper Clubman$1,692$288
37Jeep Renegade$1,698$294
38Kia Sportage$1,706$302
39Volkswagen ID4$1,728$324
40Mini Cooper$1,738$334
41Mini Cooper Countryman$1,766$362
42Mitsubishi Outlander$1,830$426
43Mitsubishi Mirage$1,850$446
44Ford Mustang Mach-E$1,918$514
45Hyundai Nexo$1,938$534

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2022 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on August 11, 2023
Insurance Cost Comparison: Toyota C-HR vs Small SUVs

What is the cheapest Toyota C-HR insurance?

With Toyota C-HR insurance rates ranging from $1,328 to $1,472 per year for an average driver, the cheapest trim level to insure is the base LE model at $1,328 per year. On average, plan on paying a minimum of $111 per month for full coverage insurance.

The second cheapest trim level to insure is the XLE at $1,378 per year. The C-HR trim level with the highest insurance cost is the Limited model at $1,472 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.

2022 Toyota C-HR Insurance Cost by Trim Level
Toyota C-HR Trim Level Annual Policy Six-Month Policy Per Month
LE$1,328$664$111
XLE$1,378$689$115
Nightshade Edition$1,430$715$119
Limited$1,472$736$123

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Toyota C-HR, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Toyota C-HR Insurance Cost by Trim Level

Additional rate data and possible policy discounts are as follows:

  • Qualify for discounts to lower insurance costs. 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 $236 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 $372 per year. Major violations such as DWI/DUI and reckless driving could raise rates by an additional $1,296 or more.
  • Increase physical damage deductibles to save money. Increasing your deductibles from $500 to $1,000 could save around $208 per year for a 40-year-old driver and $400 per year for a 20-year-old driver.
  • Low physical damage deductibles increase policy costs. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $214 per year for a 40-year-old driver and $424 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 $42 and $177 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 $1,662 or more per year.
  • Being a cautious driver saves money. Having multiple accidents could cost you more, potentially by an additional $1,974 per year for a 20-year-old driver and even $460 per year for a 50-year-old driver.
  • Insuring teen drivers is expensive. Average rates for full coverage C-HR insurance costs $5,118 per year for a 16-year-old driver, $4,762 per year for a 17-year-old driver, and $4,436 per year for an 18-year-old driver.