- Toyota C-HR car insurance costs $1,254 per year on average, or around $105 per month for full coverage.
- The 2022 C-HR is one of the cheaper small SUVs to insure, costing $172 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 $1,192 per year.
- The Toyota C-HR Limited has the highest rates at $1,332 per year.
How much does Toyota C-HR car insurance cost?
Toyota C-HR insurance rates average $1,254 annually. Depending on the trim level being insured, monthly car insurance cost for a 2022 Toyota C-HR ranges from $99 to $111.
You can expect to pay around $172 less each year to insure a Toyota C-HR when compared to the average rate for all small SUVs, and $313 less per year (20%) than the $1,567 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||$2,842||$237|
|Safe Driver Age 20||$2,490||$208|
|At-fault Accidents Age 40||$1,774||$148|
|Low Deductibles Age 40||$1,616||$135|
|Safe Driver Age 30||$1,318||$110|
|Safe Driver Age 40||$1,254||$105|
|Safe Driver Age 50||$1,144||$95|
|Safe Driver Age 60||$1,124||$94|
|High Deductibles Age 40||$1,068||$89|
|Discount Rate Age 40||$1,044||$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 $10,246 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 $1,254 per year for insurance and the segment average cost is $1,426 annually, a difference of $172 per year.
When rates are compared to other small SUVs, auto insurance for a Toyota C-HR costs $186 less per year than the Toyota RAV4, $82 less than the Honda CR-V, $170 less than the Chevrolet Equinox, and $238 less than the Nissan Rogue.
When compared to all vehicles (not just small SUVs), average Toyota C-HR insurance costs 20% less than the national average car insurance rate of $1,567 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||$1,272||$18|
|11||Toyota Corolla Cross||$1,310||$56|
|21||Mitsubishi Eclipse Cross||$1,408||$154|
|34||Hyundai Ioniq 5||$1,514||$260|
|35||Mini Cooper Clubman||$1,516||$262|
|41||Mini Cooper Countryman||$1,582||$328|
|44||Ford Mustang Mach-E||$1,726||$472|
What is the cheapest Toyota C-HR insurance?
With Toyota C-HR insurance rates ranging from $1,192 to $1,332 per year for an average driver, the cheapest trim level to insure is the base LE model at $1,192 per year. On average, plan on paying a minimum of $99 per month for full coverage insurance.
The second cheapest trim level to insure is the XLE at $1,238 per year. The C-HR trim level with the highest insurance cost is the Limited model at $1,332 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 $210 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 $330 per year. Major violations such as DWI/DUI and reckless driving could raise rates by an additional $1,152 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 $360 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 $159 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 $1,478 or more per year.
- Being a cautious driver saves money. Having multiple accidents could cost you more, potentially by an additional $1,754 per year for a 20-year-old driver and even $408 per year for a 50-year-old driver.
- Insuring teen drivers is expensive. Average rates for full coverage C-HR insurance costs $4,544 per year for a 16-year-old driver, $4,232 per year for a 17-year-old driver, and $3,944 per year for a 18-year-old driver.