- 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.
|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.
|7||Nissan Rogue Sport||$1,418||$14|
|11||Ford Bronco Sport||$1,454||$50|
|12||Toyota Corolla Cross||$1,458||$54|
|22||Mitsubishi Eclipse Cross||$1,566||$162|
|35||Hyundai Ioniq 5||$1,684||$280|
|36||Mini Cooper Clubman||$1,692||$288|
|41||Mini Cooper Countryman||$1,766||$362|
|44||Ford Mustang Mach-E||$1,918||$514|
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.
|Toyota C-HR Trim Level||Annual Policy||Six-Month Policy||Per Month|
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.