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 $1,368 per year on average, or around $114 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 $1,296 per year.
  • The Toyota C-HR Limited has the highest rates at $1,436 per year.

How much does Toyota C-HR car insurance cost?

Toyota C-HR insurance rates average $1,368 annually. Depending on the trim level being insured, monthly car insurance cost for a 2022 Toyota C-HR ranges from $108 to $120.

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 $317 less per year (18.8%) than the $1,685 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 January 23, 2023
Toyota C-HR Insurance Cost Summary
Toyota C-HR Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,106$259
Safe Driver Age 20$2,718$227
At-fault Accidents Age 40$1,936$161
Low Deductibles Age 40$1,756$146
Safe Driver Age 30$1,434$120
Safe Driver Age 40$1,368$114
Safe Driver Age 50$1,250$104
Safe Driver Age 60$1,226$102
High Deductibles Age 40$1,166$97
Discount Rate Age 40$1,136$95

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 $10,558 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 $1,368 per year for insurance and the segment average cost is $1,536 annually, a difference of $168 per year.

When rates are compared to other small SUVs, auto insurance for a Toyota C-HR costs $194 less per year than the Toyota RAV4, $82 less than the Honda CR-V, $180 less than the Chevrolet Equinox, and $254 less than the Nissan Rogue.

When compared to all vehicles (not just small SUVs), average Toyota C-HR insurance costs 18.8% less than the national average car insurance rate of $1,685 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$1,256-$112
2Nissan Kicks$1,292-$76
3Chevrolet Trailblazer$1,302-$66
4Subaru Crosstrek$1,328-$40
5Toyota C-HR$1,368--
6Buick Encore$1,370$2
7Nissan Rogue Sport$1,382$14
8Buick Envision$1,406$38
9Hyundai Venue$1,410$42
10Kia Seltos$1,412$44
11Ford Bronco Sport$1,416$48
12Toyota Corolla Cross$1,420$52
13Subaru Forester$1,428$60
14Hyundai Kona$1,434$66
15Volkswagen Tiguan$1,438$70
16Honda CR-V$1,450$82
17Mazda CX-30$1,464$96
18Honda HR-V$1,492$124
19Ford Ecosport$1,502$134
20Chevrolet Trax$1,520$152
21GMC Terrain$1,524$156
22Mitsubishi Eclipse Cross$1,528$160
23Hyundai Tucson$1,540$172
24Chevrolet Equinox$1,548$180
25Chevrolet Bolt$1,548$180
26Volkswagen Taos$1,554$186
27Fiat 500X$1,558$190
28Toyota RAV4$1,562$194
29Kia Soul$1,570$202
30Mazda MX-30$1,594$226
31Jeep Compass$1,606$238
32Kia Niro$1,612$244
33Nissan Rogue$1,622$254
34Ford Escape$1,630$262
35Hyundai Ioniq 5$1,642$274
36Mini Cooper Clubman$1,646$278
37Jeep Renegade$1,650$282
38Kia Sportage$1,658$290
39Volkswagen ID4$1,686$318
40Mini Cooper$1,694$326
41Mini Cooper Countryman$1,720$352
42Mitsubishi Outlander$1,780$412
43Mitsubishi Mirage$1,804$436
44Ford Mustang Mach-E$1,868$500
45Hyundai Nexo$1,888$520

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 January 23, 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 $1,296 to $1,436 per year for an average driver, the cheapest trim level to insure is the base LE model at $1,296 per year. On average, plan on paying a minimum of $108 per month for full coverage insurance.

The second cheapest trim level to insure is the XLE at $1,344 per year. The C-HR trim level with the highest insurance cost is the Limited model at $1,436 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$1,296$648$108
XLE$1,344$672$112
Nightshade Edition$1,396$698$116
Limited$1,436$718$120

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 January 23, 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 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 $232 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 $362 per year. Major violations such as DWI/DUI and reckless driving could raise rates by an additional $1,262 or more.
  • Increase physical damage deductibles to save money. Increasing your deductibles from $500 to $1,000 could save around $202 per year for a 40-year-old driver and $388 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 $208 per year for a 40-year-old driver and $414 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 $41 and $173 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 $1,616 or more per year.
  • Being a cautious driver saves money. Having multiple accidents could cost you more, potentially by an additional $1,922 per year for a 20-year-old driver and even $448 per year for a 50-year-old driver.
  • Insuring teen drivers is expensive. Average rates for full coverage C-HR insurance costs $4,988 per year for a 16-year-old driver, $4,638 per year for a 17-year-old driver, and $4,324 per year for a 18-year-old driver.