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.

Start QuoteCompare C-HR car insurance rates and save on your next policy.

  • 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.

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 September 27, 2022
Toyota C-HR Insurance Cost Summary
Toyota C-HR Insurance Cost Summary
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.

Insurance Cost Comparison: Toyota C-HR vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-5$1,158-$96
2Nissan Kicks$1,190-$64
3Chevrolet Trailblazer$1,196-$58
4Subaru Crosstrek$1,224-$30
5Toyota C-HR$1,254--
6Buick Encore$1,260$6
7Nissan Rogue Sport$1,272$18
8Hyundai Venue$1,294$40
9Buick Envision$1,298$44
10Kia Seltos$1,300$46
11Toyota Corolla Cross$1,310$56
12Hyundai Kona$1,318$64
13Subaru Forester$1,320$66
14Volkswagen Tiguan$1,324$70
15Honda CR-V$1,336$82
16Mazda CX-30$1,350$96
17Honda HR-V$1,370$116
18Ford Ecosport$1,380$126
19Chevrolet Trax$1,398$144
20GMC Terrain$1,404$150
21Mitsubishi Eclipse Cross$1,408$154
22Hyundai Tucson$1,416$162
23Chevrolet Bolt$1,420$166
24Chevrolet Equinox$1,424$170
25Volkswagen Taos$1,428$174
26Fiat 500X$1,434$180
27Toyota RAV4$1,440$186
28Kia Soul$1,442$188
29Mazda MX-30$1,472$218
30Jeep Compass$1,478$224
31Kia Niro$1,480$226
32Nissan Rogue$1,492$238
33Ford Escape$1,498$244
34Hyundai Ioniq 5$1,514$260
35Mini Cooper Clubman$1,516$262
36Jeep Renegade$1,518$264
37Kia Sportage$1,524$270
38Ford Bronco$1,532$278
39Volkswagen ID4$1,554$300
40Mini Cooper$1,564$310
41Mini Cooper Countryman$1,582$328
42Mitsubishi Outlander$1,640$386
43Mitsubishi Mirage$1,658$404
44Ford Mustang Mach-E$1,726$472
45Hyundai Nexo$1,744$490
46Jeep Wrangler$1,746$492

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 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, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 27, 2022
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 $1,192 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.

2022 Toyota C-HR Insurance Cost by Trim Level
Toyota C-HR Trim Level Annual Policy 6-month Policy Per Month
LE$1,192$596$99
XLE$1,238$619$103
Nightshade Edition$1,284$642$107
Limited$1,332$666$111

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 September 27, 2022
Toyota C-HR Insurance Cost by Trim Level

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.