Toyota C-HR Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota C-HR costs more than most other SUVs to insure.

• Liability only auto insurance rates for a C-HR come in at about $91 a month, while full coverage normally averages around $184 monthly.

• The cheapest car insurance company for a C-HR is MainStreet.

C-HR Overview

The Toyota C-HR is a great budget-friendly SUV for drivers of all types, with a base price of just $21,445 for new 2021 models.

Based on thousands of insurance quotes from Compare.com, we've determined that, on average, Toyota C-HR auto insurance premiums run about $169 per month. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Toyota C-HR?

Looking at the table above, you can see that Toyota C-HR insurance prices are right around average compared to other vehicles on the road. On average, C-HR drivers can expect to pay about $91 a month for liability insurance, and around $184 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When you compare it to other Toyota models, the C-HR is more expensive, with premiums more than 10% higher than the rest of the automaker's vehicle offerings. Compared to SUV offerings from other brands, insurance for a C-HR is similarly on the expensive side, with liability only insurance rates coming in about $8 more and $7 more for full coverage.

When compared to all vehicles, regardless of make, body style, or model, car insurance prices for both full coverage and liability only policies run higher than average.

Who has the Cheapest Car Insurance for a Toyota C-HR?

If you're looking for an auto insurance policy for a Toyota C-HR, you might want to know which carrier offers the most affordable premiums. While costs will typically be pretty different from between drivers, Hugo has the lowest average rates for liability only coverage, with rates as low as just $34 per month. With car insurance as little as just $42 a month, Commonwealth Casualty is the next most affordable auto insurance company.

The third, fourth, and fifth carriers on the list are MetroMile, Shelter Mutual, and Verti. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance carriers take a multitude of variables into consideration when calculating monthly rates. The only way to guarantee you find the lowest rates is to compare quotes from several car insurance companies.

What Factors Affect Car Insurance Rates for a Toyota C-HR?

As we mentioned above, there are a multitude of factors that auto insurance carriers reference to determine how much they charge you for a policy -- and each carrier weighs different factors more heavily than others, so there's not just one company that's the most affordable for everyone.

The following sections show multiple things insurance companies use to decide rates:

Vehicle Age

Because the Toyota C-HR has only been around for two or three model years, vehicle age won't affect your premium in the same way it might for other vehicles. Generally, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go down.

Next year, we'll know more about the differences in rates for each model year, but for now we see that a C-HR less than one year old will be around between $87 and $96 monthly to insure.

Your Age

Age makes a big difference in how much car insurance carriers will charge you for auto insurance. Because the Toyota C-HR is pretty new to the market, we're just starting to collect data on how age is affecting insurance prices. So far, based on the table above, drivers under 24 have more expensive premiums than those with more experience. In this case, drivers who are 18 to 24 pay $38 more than those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group for C-HR drivers being 65 years and older.

Your Gender

Did you know men tend to pay more for car insurance than women? This is because men are more likely to get into accidents and get speeding tickets, which increases the chances of an insurance claim. When it comes to C-HR drivers specifically, men pay around $99 a month for auto insurance, while women pay about $85.

Where You Live

You may think it's obvious that factors such as what vehicle you drive and how old you are play a role in your insurance prices, but you may not realize that where you live can be equally important. Since auto insurance is regulated on the state level rather than nationally, premiums can vary quite a bit from state to state.

Because the C-HR is a relatively new vehicle, our data on all 50 states is somewhat limited. Even so, you can see in the table above that New York has rates that are more expensive than anywhere else.

Toyota C-HR Car Insurance Discounts

Whatever your age, your home state, or your car, it's always a good idea to take advantage of as many insurance discounts as possible.

Even though all car insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-policy discounts for getting both your home and auto policies from the same insurance carrier
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than by monthly payments
• Multi-car discounts for insuring more than one of your vehicles with the same company

While these are just a few of the discounts auto insurance carriers offer, there are countless other ways to save money on you monthly insurance bill. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

Even though you may not have control of every factor car insurance companies use to calculate rates (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the things you can use to your advantage when it comes to cost savings:

Your Driving Record

It's no secret that insurance carriers offer the cheapest premiums to drivers with a history of responsible driving. It makes sense that if you get into a collision or get a ticket for speeding, car insurance prices will get higher. But exactly how much will these infractions cost you?

Unfortunately, we don't have enough data on file for Toyota C-HR drivers specifically, since it is a relatively new vehicle. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost C-HR owners when it comes to auto insurance.

How Much You Drive

Another variable that affects your insurance rates is the amount of miles you drive each year. Those who are on the roads less often are less likely to get speeding tickets, so they'll generally be offered lower prices. Since the Toyota C-HR is a new vehicle, our data is relatively limited, so we don't yet know how much annual driving distance will affect premiums. So far, drivers who travel 2,501 - 5,000 miles per year are offered the most affordable rates.

If you don't drive much because have a second vehicle or you work from home, it may be worth considering usage-based or pay-per-mile auto insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Toyota C-HRs Compare to Other Vehicles?

If you're thinking about making a Toyota C-HR your next SUV, it can pay off to do your due diligence. Insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Check out the table below to see how the Toyota C-HR stacks up:

With an MSRP that's less than half of the going rate for a new vehicle, the Toyota C-HR is a fantastic value for any budget. The C-HR retails at $21,445, which is quite a bit lower than the national average vehicle MSRP of $46,179.

Similarly, insurance rates are slightly cheaper when compared to the rest of the vehicle market. Liability insurance for a Toyota C-HR is around $17 per month less than average, while full coverage is $8 less monthly.

When it comes to usage, Toyota C-HR drivers are near the national average in annual miles driven, with 10,984 miles a year compared to 11,660 for all vehicles.

Toyota C-HR Car Insurance Costs by Model Year

You've seen how different variables can affect how much the average driver pays for car insurance. If you're considering buying a new vehicle and the C-HR is one you're thinking about, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your choices.

For this reason, we've crunched the numbers and broken down Toyota C-HR insurance premiums by model year. Simply choose a specific C-HR model year in the dropdown below and see average rates for both full coverage and liability only insurance, as well as some other helpful info, such as which trim levels are offered, the base MSRP, and who offers the cheapest policies for each year the C-HR has been around.

2021 Toyota C-HR Car Insurance

As we saw above, if you're considering a brand new 2021 SUV, the latest Toyota C-HR is a fantastic option for your budget.

On average, it costs about $161 per month to buy full coverage insurance for a 2021 Toyota C-HR and $64 a month for a liability only policy. And if you want the lowest insurance possible, Aspire offers liability only policies for sometimes as little as $35 per month.

Although it's great to know the average price drivers pay for insurance, a personalized quote is the only way to find out exactly how much you'll pay. With Compare.com, you can get lots of quotes at once, all for free. Just enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

2020 Toyota C-HR Car Insurance

If you're in the market for a 2020 C-HR or already own one, you're most likely looking at an average car insurance price of around $193 for full coverage or $101 for a liability only policy.

And if you're just looking for the cheapest auto insurance for your C-HR, Aspire offers liability only policies for as cheap as just $36 monthly.

While these are good estimates of what the average driver might pay to insure a 2020 Toyota C-HR, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2019 Toyota C-HR Car Insurance

It costs about $93 per month for liability or $187 for a full coverage policy for the 2019 Toyota C-HR.

Looking for the most affordable policy? Liberty Mutual offered liability only coverage for sometimes as cheap as $30 a month.

What could your car insurance premium look like? Get multiple customized quotes for free by just entering your ZIP code below.

2018 Toyota C-HR Car Insurance

2018 C-HR drivers can expect to pay an average of $91 monthly for liability or $184 for full coverage.

We found Hugo offered the lowest policy, with rates as cheap as $18 a month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

Toyota C-HR Insurance FAQs

Is a Toyota C-HR expensive to insure?

The Toyota C-HR is relatively expensive to insure compared to the average SUV. Liability insurance runs an average of $91 monthly, while full coverage will cost you around $184.

How can I get the best price on car insurance for my Toyota C-HR?

The only way to confirm you're getting the most affordable price on insurance is to regularly shop around and compare quotes from a wide array of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a range of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Toyota C-HR affect my insurance premiums?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's simply not true. Even though there are many factors auto insurance companies look at when they offer you a premium, your car's color is not factored into that decision.

Do I need to have insurance before I buy a Toyota C-HR?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) C-HR off the dealership lot. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a a new SUV is to let your car insurance carrier know beforehand.

What car insurance discounts can I get for my Toyota C-HR?

You will find a ton of discounts out there when it comes to auto insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the Toyota C-HR you drive, but if your C-HR has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The best way to find out is to talk with your insurance agent and ask about their discounts.