The Toyota C-HR is a subcompact SUV that first debuted in 2016; however, the vehicle was discontinued in the U.S. after the 2022 model year. The average cost of Toyota C-HR insurance ranges from $110-$151 per month for full coverage. If you still drive a Toyota C-HR, it needs to be protected with the right car insurance.
When it's time to find the best Toyota C-HR insurance, an independent insurance agent can assist you. These agents know where to get the right Toyota insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Toyota C-HR by model year and top-rated insurance company in 2026.
Key Takeaways - Toyota C-HR Insurance Cost 2026
Toyota C-HR insurance costs an average of $1,816 per year, or approximately $151 per month, for full coverage in 2026.
Toyota C-HR insurance costs vary widely by location, with good drivers in Hawaii paying an average of only $1,172 per year for full coverage, while those in Michigan pay $4,891.
American National, Safeco, and Dairyland are the cheapest carriers for model-year 2022 Toyota C-HR insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Toyota C-HR insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Toyota C-HR model.
How Much Does Toyota C-HR Insurance Cost?
Toyota C-HR full coverage costs an average of $1,322-$1,816 annually. So, how much is Toyota C-HR insurance per month? Full coverage breaks down to about $110-$151. Toyota C-HR insurance rates are more affordable than those for many other subcompact SUVs. You can get a better estimate of how much your policy might cost by using our car insurance calculator.
Toyota C-HR Insurance Rates by Model Year
Toyota C-HR insurance rates by model year vary considerably, especially when comparing costs by carrier. The tables below compare the cost of Toyota C-HR insurance in 2026 for the most recent models of the vehicle. The C-HR was discontinued in the U.S. after the 2022 model year.
2022 Toyota C-HR Insurance Rates
| Rank | Cheapest Carrier | Average Annual Full Coverage Premium |
|---|---|---|
| 1 | Nationwide | $1,716 |
| 2 | Progressive | $1,789 |
| 3 | Allstate | $2,489 |
2021 Toyota C-HR Insurance Rates
| Rank | Cheapest Carrier | Average Annual Full Coverage Premium |
|---|---|---|
| 1 | Progressive | $1,602 |
| 2 | Nationwide | $1,728 |
| 3 | Allstate | $2,323 |
2020 Toyota C-HR Insurance Rates
| Rank | Cheapest Carrier | Average Annual Full Coverage Premium |
|---|---|---|
| 1 | Progressive | $1,649 |
| 2 | Nationwide | $1,810 |
| 3 | Allstate | $2,183 |
2019 Toyota C-HR Insurance Rates
| Rank | Cheapest Carrier | Average Annual Full Coverage Premium |
|---|---|---|
| 1 | Progressive | $1,622 |
| 2 | Nationwide | $1,817 |
| 3 | Allstate | $2,163 |
2018 Toyota C-HR Insurance Rates
| Rank | Cheapest Carrier | Average Annual Full Coverage Premium |
|---|---|---|
| 1 | Progressive | $1,598 |
| 2 | Nationwide | $1,794 |
| 3 | Allstate | $2,253 |
Toyota C-HR Insurance Cost by Trim Level
Your vehicle's specific trim level can also influence its insurance rates. The table below compares the average model-year 2022 Toyota C-HR car insurance costs by trim level for 2026, including Toyota C-HR XLE vs. Limited insurance costs.
| Trim Level | Annual Full Coverage Premium | Monthly Full Coverage Premium |
|---|---|---|
| LE | $1,722 | $144 |
| XLE | $1,788 | $149 |
| Nightshade Edition | $1,858 | $155 |
| Limited | $1,898 | $158 |
Cheapest Insurance Companies for the Toyota C-HR
Wondering where to find the cheapest car insurance for a Toyota C-HR this year? American National has the cheapest coverage rates, starting at an average of just $578 per year. The table below shows the best car insurance companies for a Toyota C-HR in 2026.
| Top Car Insurance Companies | Average Annual Premium |
|---|---|
| American National | $578 |
| Safeco | $596 |
| Dairyland | $1,017 |
| Capital Insurance Group | $1,065 |
| Texas Farm Bureau Group | $1,177 |
| New Jersey Manufacturers | $1,220 |
| AssuranceAmerica Economy | $1,221 |
| National General Value | $1,268 |
| MO Farm Bureau Services | $1,311 |
Toyota C-HR Insurance Rates by Driver Profile
Toyota C-HR car insurance costs vary considerably by age and driver profile. Toyota C-HR insurance for young drivers is much more expensive than for middle-aged adults. Car insurance rates tend to drop dramatically starting around age 25 until about age 65, then begin to climb again. The table below compares Toyota C-HR coverage costs by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
|---|---|---|---|
| 17 | $8,271 | $12,182 | $14,271 |
| 18 | $7,730 | $11,374 | $13,267 |
| 19 | $6,840 | $10,044 | $11,740 |
| 20 | $5,976 | $8,727 | $10,244 |
| 21 | $5,013 | $7,340 | $8,622 |
| 22 | $4,897 | $7,159 | $8,326 |
| 23 | $4,263 | $6,268 | $7,329 |
| 24 | $4,050 | $5,947 | $6,969 |
| 25 | $3,502 | $5,101 | $5,990 |
| 30 | $2,712 | $4,003 | $4,687 |
| 35 | $2,553 | $3,776 | $4,411 |
| 40 | $2,467 | $3,600 | $4,197 |
| 45 | $2,374 | $3,498 | $4,115 |
| 55 | $2,184 | $3,222 | $3,737 |
| 65 | $2,253 | $3,355 | $3,923 |
| 75 | $2,865 | $4,220 | $4,931 |
How Location Affects Toyota C-HR Insurance Rates
Your location has a significant impact on your car insurance premiums, so it's important to get a custom quote from your independent insurance agent. Drivers in large cities with high theft rates may pay much higher insurance rates than those who live in smaller towns. Your credit and driving record can also influence car insurance premiums.
Further, state minimum coverage requirements affect the cost of car insurance. The table below compares the average cost of Toyota C-HR insurance by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
|---|---|---|---|
| Alabama | $2,625 | $3,749 | $4,805 |
| Alaska | $2,107 | $2,989 | $2,889 |
| Arizona | $2,392 | $3,505 | $5,166 |
| Arkansas | $2,656 | $4,164 | $4,595 |
| California | $2,944 | $5,204 | $2,980 |
| Colorado | $2,778 | $3,888 | $4,895 |
| Connecticut | $3,534 | $5,470 | $6,928 |
| Delaware | $2,952 | $3,908 | $5,006 |
| Florida | $3,465 | $4,800 | $6,287 |
| Georgia | $2,805 | $4,231 | $4,252 |
| Hawaii | $1,172 | $1,559 | $1,123 |
| Idaho | $1,957 | $2,613 | $3,144 |
| Illinois | $2,089 | $3,128 | $3,567 |
| Indiana | $2,085 | $3,240 | $3,625 |
| Iowa | $1,686 | $2,275 | $2,714 |
| Kansas | $2,224 | $3,243 | $3,774 |
| Kentucky | $3,228 | $4,729 | $5,625 |
| Louisiana | $4,092 | $6,263 | $6,768 |
| Maine | $1,591 | $2,155 | $3,196 |
| Maryland | $2,541 | $3,664 | $4,068 |
| Massachusetts | $2,052 | $3,575 | $2,028 |
| Michigan | $4,891 | $7,500 | $11,787 |
| Minnesota | $2,007 | $2,721 | $3,807 |
| Mississippi | $2,422 | $3,498 | $3,498 |
| Missouri | $2,311 | $3,304 | $4,278 |
| Montana | $2,322 | $3,250 | $3,789 |
| Nebraska | $1,987 | $2,933 | $3,178 |
| Nevada | $3,275 | $4,832 | $5,092 |
| New Hampshire | $2,285 | $3,566 | $4,535 |
| New Jersey | $2,511 | $3,908 | $5,105 |
| New Mexico | $2,568 | $3,776 | $3,922 |
| New York | $2,327 | $2,999 | $4,937 |
| North Carolina | $1,498 | $2,513 | $1,792 |
| North Dakota | $2,040 | $3,033 | $3,590 |
| Ohio | $1,796 | $2,782 | $2,802 |
| Oklahoma | $2,855 | $4,077 | $4,603 |
| Oregon | $2,580 | $3,513 | $4,176 |
| Pennsylvania | $2,178 | $3,226 | $3,749 |
| Rhode Island | $3,649 | $5,336 | $5,991 |
| South Carolina | $2,472 | $3,425 | $4,771 |
| South Dakota | $2,212 | $3,223 | $3,730 |
| Tennessee | $2,610 | $3,835 | $5,134 |
| Texas | $2,603 | $3,782 | $4,759 |
| Utah | $2,258 | $3,156 | $4,325 |
| Vermont | $1,756 | $2,661 | $2,832 |
| Virginia | $1,651 | $2,485 | $2,433 |
| Washington | $2,147 | $2,873 | $3,509 |
| West Virginia | $2,151 | $3,092 | $3,876 |
| Wisconsin | $2,131 | $3,393 | $3,822 |
| Wyoming | $1,998 | $2,822 | $3,014 |
Toyota C-HR vs. Competing Subcompact SUVs: Insurance Cost Comparison
The Toyota C-HR ranks 6th out of 45 small SUVs compared for affordability. The table below compares the average annual cost of Toyota C-HR insurance with many similar subcompact SUVs, including Toyota C-HR vs. Honda HR-V insurance costs.
| Rank | Vehicle | Average Annual Premium | Cost Difference from Toyota C-HR |
|---|---|---|---|
| 1 | Mazda CX-5 | $1,668 | -$148 |
| 2 | Nissan Kicks | $1,706 | -$110 |
| 3 | Chevrolet Trailblazer | $1,718 | -$98 |
| 4 | Subaru Crosstrek | $1,758 | -$58 |
| 5 | Buick Encore | $1,810 | -$6 |
| 6 | Toyota C-HR | $1,816 | $0 |
| 7 | Nissan Rogue Sport | $1,826 | +$10 |
| 8 | Buick Envision | $1,828 | +$12 |
| 9 | Hyundai Venue | $1,858 | +$42 |
| 10 | Kia Seltos | $1,864 | +$48 |
| 11 | Ford Bronco Sport | $1,872 | +$56 |
| 12 | Toyota Corolla Cross | $1,878 | +$62 |
| 13 | Hyundai Kona | $1,896 | +$80 |
| 14 | Subaru Forester | $1,900 | +$84 |
| 15 | Volkswagen Tiguan | $1,906 | +$90 |
| 16 | Honda CR-V | $1,918 | +$102 |
| 17 | Mazda CX-30 | $1,936 | +$120 |
| 18 | Honda HR-V | $1,964 | +$148 |
| 19 | Ford EcoSport | $1,982 | +$166 |
| 20 | Chevrolet Trax | $2,004 | +$188 |
What Factors Affect Your Toyota C-HR Insurance Cost?
Several factors can affect the cost of Toyota C-HR car insurance, including how often you drive your vehicle and your driving history.
Annual Mileage
Driving more than 10,000 to 15,000 miles each year often leads to higher auto insurance premiums. The more you use your vehicle, the greater the risk of being involved in an accident or getting a traffic violation, such as a speeding ticket.
Driving Record
Toyota C-HR drivers without traffic violations or at-fault accidents on their driving record enjoy some of the lowest insurance premiums. Car insurance companies love to reward drivers without speeding tickets, DUIs, accidents, and other violations on their records, as they have a much lower chance of filing claims.
Your Credit
In many areas, your credit score can affect your car insurance premiums. Car insurance companies associate good credit behavior with good driving behavior. Therefore, the better your credit score, the lower your car insurance premium may be.
Your Deductible
Choosing a higher deductible can lead to lower monthly or annual car insurance premium rates. However, keep in mind that with a higher deductible, you'll have to pay more out-of-pocket each time you file a claim before getting reimbursed.
Your Coverage Level
The amount of coverage you need obviously impacts the cost of your overall policy. The more coverage you buy, the higher your premiums will be.
Your Location
Your location influences car insurance premium calculations. If you live in a densely populated city, you may have higher premiums than someone who lives in a rural town, due to the increased risk of accidents and car insurance claims. State minimum coverage requirements can also influence insurance costs.
The Value of Your Vehicle
High-value and luxury vehicles tend to cost more to repair or replace, so insurance companies charge higher premiums to offset this. An independent insurance agent can help you find affordable Toyota C-HR insurance no matter the value of your vehicle.
Common Toyota C-HR Insurance Discounts
Many car insurance companies offer several discounts that can reduce your overall coverage costs significantly. Stacking discounts can help you save an average of $300 per year on your car insurance. Ask your independent insurance agent about these common car insurance discounts:
- Bundling discounts: Buying more than one type of coverage, such as home insurance and auto insurance, through the same carrier can help you save on each.
- Good driver discounts: If your driving record is free of accidents and other violations, you can often save a substantial amount on your car insurance.
- Low mileage discounts: Many car insurance companies offer telematics programs that track your annual mileage or driving behavior and reward you with savings for low vehicle usage and good habits on the road.
- Defensive driving course discounts: Completing an approved defensive or safe driving course can often help you earn significant savings on car insurance.
- Good student discounts: Many car insurance companies offer savings for insured drivers with students on their policies who maintain at least a B average.
- Anti-theft device discounts: Many car insurance companies reward you with savings if your vehicle is equipped with anti-theft devices.
- Pay-in-full discounts: You might be able to save money on your coverage by paying your entire annual premium upfront, rather than in monthly installments.
Higher deductibles can also help you save on your monthly premiums, but keep in mind that you'll have to pay more out of pocket each time you file a claim. A local independent insurance agent can help you find the best car insurance discounts and increase your savings as much as possible
Toyota C-HR Safety Ratings and How They Affect Insurance
The National Highway Traffic Safety Administration (NHTSA) gave the 2022 Toyota C-HR an overall 4-star safety rating. The Insurance Institute for Highway Safety (IIHS) rated the vehicle poorly in the headlights category, which could potentially hurt auto insurance premiums. However, all trims come with the Toyota Safety Sense 2.0 feature, which can help you increase your car insurance savings.
What Types of Coverage Does Your Toyota C-HR Need?
When you insure a Toyota C-HR, you have several types of coverage to choose from. You'll likely need at least Toyota C-HR liability insurance to satisfy your state's minimum coverage requirements. Consider adding at least the following coverage types for your Toyota C-HR, which are typically required by law.
Bodily Injury Liability
If someone is injured in an accident that you cause while driving your Toyota C-HR, your bodily injury liability coverage can help pay for the damage. This policy can cover legal fees, loss of income, pain and suffering, medical expenses, and funeral costs.
Property Damage Liability
If you cause an accident while driving your Toyota C-HR, property damage liability coverage can pay for repairs to the other party's vehicle and property. It may also cover legal defense costs associated with property damage claims.
Medical Payments Coverage or Personal Injury Protection
Depending on your state, you can choose between medical payments coverage and personal injury protection (PIP). Many car accidents result in injury, and this type of insurance can help pay the medical bills associated with recovery. PIP coverage can also pay for lost wages while the injured party is out of work recovering.
Uninsured Motorist Coverage
Roughly one in eight drivers is uninsured nationally. If you are injured or your vehicle is damaged in an accident caused by a driver who doesn't have insurance, uninsured motorist coverage can cover associated losses up to your policy's limits.
Even though liability insurance is required by law in most states, many drivers still lack the proper coverage. Your independent insurance agent can help you understand your options for uninsured and underinsured motorist coverage and whether it's a wise choice to add it to your policy.
Optional Coverage for Your Toyota C-HR
Even though the following types of car insurance aren't typically mandatory, they can be helpful to include in your policy. A local independent insurance agent can help you determine which types of optional coverage are appropriate for your specific Toyota C-HR.
Collision
If you are in an accident, collision coverage can pay for damage to your car from a collision with another object, regardless of fault. However, it doesn't make sense to have collision coverage on an older Toyota C-HR that's already paid off. Your independent insurance agent can help you decide if full coverage is the right choice for you.
Comprehensive
Comprehensive coverage can pay for damage to your car caused by non-collision events, such as a flood or theft. It can help pay for losses if your car is stolen or vandalized, or if you hit a large animal such as a deer. If you have a loan or lease on your car, your lender may require comprehensive coverage.
Glass Coverage
A broken windshield demands immediate attention, and in some places, you can get a ticket for driving with damaged glass. A glass coverage policy lets you get your C-HR's broken glass repaired without having to dig into your savings.
Rental Reimbursement Coverage
If you need a rental vehicle while your C-HR is in the shop for repairs, this coverage can help pay for it. You may choose to add this coverage if you rely on your vehicle for a daily commute.
Roadside Assistance Coverage
If your car breaks down on the side of the road, towing and roadside assistance coverage can help pay for professional services to help you. This coverage can pay for the cost of a tow truck, professional jump starts, and more.
Gap Insurance
If you're in an accident that severely damages or totals your C-HR, gap coverage can cover the difference between the amount still owed on the loan and your vehicle's value if you owe more than the car is worth.
Since the C-HR was discontinued in the U.S. after 2022, depreciation rates for the vehicle are less predictable. Gap insurance may still be worth adding if you drive a financed C-HR and still owe an amount that's close to the vehicle's market value.
FAQs About Toyota C-HR Insurance
How much does Toyota C-HR insurance cost per month?
Full coverage for the Toyota C-HR averages $110-$151 per month for a 40-year-old driver with a clean record. Minimum liability-only coverage averages $21-$48 per month.
Is the Toyota C-HR expensive to insure?
No, the C-HR ranks among the more affordable subcompact SUVs to insure, costing about $208-$213 less per year than the average for the group. It also costs significantly less to insure than the national vehicle average.
Which insurance company offers the cheapest rates for the Toyota C-HR?
We found that American National had the cheapest insurance rates for a model-year 2022 Toyota C-HR, followed by Safeco.
Does the Toyota C-HR trim level affect insurance rates?
Yes, the XLE model costs about $140 per month to insure, while the Limited model costs between $154-$158 per month. The Limited's higher MSRP leads to higher insurance rates, with a difference of about $170 per year.
What year did Toyota stop making the C-HR in the US?
Toyota discontinued the C-HR in the U.S. after the 2022 model year. Used 2018-2022 C-HRs are still widely available and easy to insure.
How can I lower my Toyota C-HR insurance premium?
You can save money on Toyota C-HR insurance by bundling home insurance and auto insurance through the same carrier, maintaining a clean driving record, choosing a higher deductible, taking a defensive driving course, or by asking about enrolling in telematics programs. Stacking car insurance discounts can save you more than $300 per year.
What safety rating does the Toyota C-HR have?
The 2022 C-HR received 4 stars overall from the NHTSA and "Good" IIHS ratings in most crash tests, with a "Poor" rating for standard headlights. All trims include Toyota Safety Sense 2.0, which can help reduce insurance rates.
How does C-HR insurance compare to similar SUVs like the Honda HR-V?
The Toyota C-HR averages $1,816 per year, which is cheaper than the Honda HR-V ($1,894-$2,028 per year) by about $78-$212 per year. The Mazda CX-5 is slightly cheaper to insure, at about $1,668 per year.
An Independent Insurance Agent Can Help You Get a Toyota C-HR Car Insurance Quote
An independent insurance agent can help you get the most affordable quote available for your Toyota C-HR. Your agent can shop and compare quotes from top insurance companies for you to find the best rate. Your agent can also help you understand how to balance premium costs and coverage levels to get the best value.
Reach out to an independent insurance agent today to get a quote for insurance on your Toyota C-HR. An independent insurance agent can shop and compare several quotes from dozens of insurance companies simultaneously, including Progressive, Safeco, Nationwide, USAA, and Travelers, and help you get the right type of auto insurance. Also, down the road, your agent will still be there to help you file car insurance claims if the time comes.
Related Links:
Sources
https://www.insurance.com/vehicles/toyota-insurance/toyota-c-hr-car-insurance
https://insuraviz.com/vehicles/toyota/toyota-c-hr-insurance/
https://www.insuranceopedia.com/auto-insurance/toyota-c-hr-car-insurance
https://www.compare.com/auto-insurance/vehicles/toyota/c-hr
https://smartfinancial.com/vehicles/toyota/c-hr