- Toyota C-HR car insurance costs $1,438 per year on average, or around $120 per month for full coverage.
- The 2022 C-HR is one of the cheaper small SUVs to insure, costing $168 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 $1,362 per year.
- The Toyota C-HR Limited has the highest rates at $1,500 per year.
How much does Toyota C-HR car insurance cost?
Toyota C-HR insurance rates average $1,438 annually. Depending on the trim level being insured, monthly car insurance cost for a 2022 Toyota C-HR ranges from $114 to $125.
You can expect to pay around $168 less each year to insure a Toyota C-HR when compared to the average rate for all small SUVs, and $445 less per year (26.8%) than the $1,883 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.
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 $10,896 a year for a policy that provides full coverage.
Does C-HR insurance cost less than other small SUVs?
The Toyota C-HR ranks sixth out of 45 total vehicles in the 2022 small SUV class. The C-HR costs an average of $1,438 per year for insurance and the segment average cost is $1,606 annually, a difference of $168 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, $78 less than the Honda CR-V, $182 less than the Chevrolet Equinox, and $258 less than the Nissan Rogue.
When compared to all vehicles (not just small SUVs), average Toyota C-HR insurance costs 26.8% less than the national average car insurance rate of $1,883 per year.
The table below shows how car insurance rates for a Toyota C-HR compare to the entire compact SUV segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mazda CX-5 | $1,318 | -$120 |
| 2 | Nissan Kicks | $1,350 | -$88 |
| 3 | Chevrolet Trailblazer | $1,358 | -$80 |
| 4 | Subaru Crosstrek | $1,392 | -$46 |
| 5 | Buick Encore | $1,434 | -$4 |
| 6 | Toyota C-HR | $1,438 | -- |
| 7 | Nissan Rogue Sport | $1,444 | $6 |
| 8 | Hyundai Venue | $1,470 | $32 |
| 9 | Buick Envision | $1,474 | $36 |
| 10 | Kia Seltos | $1,476 | $38 |
| 11 | Ford Bronco Sport | $1,482 | $44 |
| 12 | Toyota Corolla Cross | $1,486 | $48 |
| 13 | Hyundai Kona | $1,498 | $60 |
| 14 | Volkswagen Tiguan | $1,502 | $64 |
| 15 | Subaru Forester | $1,504 | $66 |
| 16 | Honda CR-V | $1,516 | $78 |
| 17 | Mazda CX-30 | $1,532 | $94 |
| 18 | Honda HR-V | $1,554 | $116 |
| 19 | Ford Ecosport | $1,570 | $132 |
| 20 | Chevrolet Trax | $1,586 | $148 |
| 21 | GMC Terrain | $1,594 | $156 |
| 22 | Mitsubishi Eclipse Cross | $1,598 | $160 |
| 23 | Hyundai Tucson | $1,608 | $170 |
| 24 | Chevrolet Bolt | $1,616 | $178 |
| 25 | Chevrolet Equinox | $1,620 | $182 |
| 26 | Volkswagen Taos | $1,624 | $186 |
| 27 | Fiat 500X | $1,628 | $190 |
| 28 | Toyota RAV4 | $1,636 | $198 |
| 29 | Kia Soul | $1,636 | $198 |
| 30 | Mazda MX-30 | $1,670 | $232 |
| 31 | Jeep Compass | $1,676 | $238 |
| 32 | Kia Niro | $1,682 | $244 |
| 33 | Nissan Rogue | $1,696 | $258 |
| 34 | Ford Escape | $1,704 | $266 |
| 35 | Hyundai Ioniq 5 | $1,720 | $282 |
| 36 | Jeep Renegade | $1,722 | $284 |
| 37 | Mini Cooper Clubman | $1,722 | $284 |
| 38 | Kia Sportage | $1,730 | $292 |
| 39 | Volkswagen ID4 | $1,766 | $328 |
| 40 | Mini Cooper | $1,772 | $334 |
| 41 | Mini Cooper Countryman | $1,800 | $362 |
| 42 | Mitsubishi Outlander | $1,864 | $426 |
| 43 | Mitsubishi Mirage | $1,880 | $442 |
| 44 | Ford Mustang Mach-E | $1,958 | $520 |
| 45 | Hyundai Nexo | $1,982 | $544 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2022 model year. Updated February 22, 2024
What is the cheapest Toyota C-HR insurance?
With Toyota C-HR insurance rates ranging from $1,362 to $1,500 per year for an average driver, the cheapest trim level to insure is the base LE model at $1,362 per year. On average, plan on paying a minimum of $114 per month for full coverage insurance.
The second cheapest trim level to insure is the XLE at $1,416 per year. The C-HR trim level with the highest insurance cost is the Limited model at $1,500 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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| LE | $1,362 | $114 |
| XLE | $1,416 | $118 |
| Nightshade Edition | $1,470 | $123 |
| Limited | $1,500 | $125 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated February 23, 2024
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 $242 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 $386 per year. Major violations such as DWI/DUI and reckless driving could raise rates by an additional $1,344 or more.
- Increase physical damage deductibles to save money. Increasing your deductibles from $500 to $1,000 could save around $214 per year for a 40-year-old driver and $416 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 $222 per year for a 40-year-old driver and $444 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 $43 and $184 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 $1,706 or more per year.
- Being a cautious driver saves money. Having multiple accidents could cost you more, potentially by an additional $2,072 per year for a 20-year-old driver and even $446 per year for a 50-year-old driver.
- Insuring teen drivers is expensive. Average rates for full coverage C-HR insurance costs $5,204 per year for a 16-year-old driver, $5,023 per year for a 17-year-old driver, and $4,462 per year for an 18-year-old driver.