Toyota C-HR Car Insurance Cost 2025
The average annual cost of insurance for a Toyota C-HR is $1,428. However, the exact cost can differ depending on factors like your age, the car’s model year, and other variables. You can use the quote tables below to get an estimate for your specific situation.
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Insuring a 2025 Toyota C-HR is generally affordable compared to other subcompact SUVs. According to Insurance.com, the average annual premium for full coverage on a Toyota C-HR is approximately $1,428, or about $119 per month.
However, rates can vary based on factors such as the driver’s age, location, driving history, and chosen coverage levels. For instance, Lemonade reports that average monthly premiums for the Toyota C-HR in 2024 range from $35 to $45, depending on various factors.
To secure the most competitive rates, it’s advisable to compare quotes from multiple insurers and explore available discounts, such as those for safe driving or bundling policies.
How Much Does Toyota C-HR Car Insurance Cost?
On average, Toyota C-HR drivers can expect to pay around $1,428 per year for car insurance.
It’s important to understand that car insurance costs can vary widely depending on several factors. These include your location, driving history, the model year of your vehicle, and the specific coverage options you choose. Keeping a clean driving record can help lower your premiums, while a history of accidents or traffic violations may drive costs up.
Additionally, living in an urban area with heavy traffic may result in higher insurance rates compared to rural areas with less congestion. The type of coverage you select also affects your premium—comprehensive insurance, which includes both comprehensive and collision coverage, typically costs more than basic liability coverage.
As shown in the table below, the insurance cost for a Toyota C-HR is lower than the average for all Toyota models, and it’s also cheaper than the average for all vehicles.
Insuranceopedia is here to help you compare quotes from various auto insurance companies, ensuring you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Toyota C-HR | $185 |
| All Toyotas | $163 |
| All Cars | $175 |
Average Insurance Cost Of Toyota C-HR By Model Year
| Model Year | Average Premium |
| 2025 Toyota C-HR | $1,322 |
| 2024 Toyota C-HR | $1,076 |
| 2022 Toyota C-HR | $1,034 |
| 2021 Toyota C-HR | $663 |
| 2020 Toyota C-HR | $926 |
| 2019 Toyota C-HR | $472 |
| 2018 Toyota C-HR | $728 |
2025 Toyota C-HR Insurance Rates
The average annual insurance cost for a 2025 Toyota C-HR is $1,322. However, State Farm offers the cheapest rates, averaging $1,050 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,050 |
| GEICO | $1,130 |
| Progressive | $1,390 |
| Nationwide | $1,400 |
| Farmers | $1,950 |
| Allstate | $2,100 |
| Lemonade | $1,050 |
| Commonwealth Casualty | $1,050 |
| MetroMile | $1,050 |
| Shelter Mutual | $1,050 |
2024 Toyota C-HR Insurance Rates
The average annual insurance cost for a 2024 Toyota C-HR is $1,076. However, American National P offers the cheapest rates, averaging $620 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $620 |
| Safeco | $854 |
| NatGen Value | $948 |
| Frankenmuth Mutual | $1,065 |
| Dairyland Broadform | $1,040 |
| Norfolk and Dedham Group | $1,160 |
| Ohio Mutual Ins Group | $1,225 |
| Safety Group | $1,235 |
| AssuranceAmerica Economy | $1,295 |
| National General Value | $1,320 |
2022 Toyota C-HR Insurance Rates
The average annual insurance cost for a 2022 Toyota C-HR is $1,034. However, Safeco offers the cheapest rates, averaging $575 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $906 |
| MO Farm Bureau Services | $1,314 |
| New Jersey Manufacturers | $1,241 |
| Capital Insurance Group | $1,081 |
| American National P | $575 |
| Dairyland Broadform | $982 |
| Safeco | $575 |
| AssuranceAmerica Economy | $1,232 |
| National General Value | $1,253 |
| Texas Farm Bureau Group | $1,176 |
2021 Toyota C-HR Insurance Rates
The average annual insurance cost for a 2021 Toyota C-HR is $663. However, Safeco offers the cheapest rates, averaging $275 per year.
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $507 |
| Kemper Premium | $933 |
| MMG Insurance Company | $743 |
| Kemper Auto | $684 |
| Safeco | $275 |
| NatGen Custom 360 | $563 |
| American National P | $441 |
| Commerce Group Inc | $818 |
| Concord Group | $915 |
| Mercury Insurance | $754 |
2020 Toyota C-HR Insurance Rates
The average annual insurance cost for a 2020 Toyota C-HR is $926. However, Safeco offers the cheapest rates, averaging $297 per year.
| Insurance Provider | Average Annual Cost |
| Rural Mutual Insurance | $849 |
| Mercury Insurance | $1,138 |
| NatGen Custom 360 | $1,030 |
| Buckeye Insurance Group | $978 |
| Safeco | $297 |
| PEMCO | $931 |
| West Bend Mutual | $817 |
| Pekin Insurance | $1,152 |
| SECURA Insurance | $1,088 |
| Hastings Mutual Insurance Co | $977 |
2019 Toyota C-HR Insurance Rates
The average annual insurance cost for a 2019 Toyota C-HR is $472. However, Kemper Auto Premier offers the cheapest rates, averaging $264 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $351 |
| West Bend Mutual | $752 |
| American National P&C | $486 |
| Dairyland Broadform | $447 |
| Safeco | $268 |
| Victoria | $411 |
| Kemper Auto Premier | $264 |
| American National P | $598 |
| Kemper Personal Insurance | $640 |
| NatGen Custom 360 | $498 |
2018 Toyota C-HR Insurance Rates
The average annual insurance cost for a 2018 Toyota C-HR is $728. However, NatGen Custom 360 offers the cheapest rates, averaging $148 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $492 |
| Utica National Ins Group | $1,040 |
| North Carolina Farm Bureau | $982 |
| Kemper Personal Insurance | $833 |
| NatGen Custom 360 | $147 |
| Mercury Insurance | $627 |
| Safeco | $277 |
| SafeAuto | $1,038 |
| PEMCO | $1,009 |
| Buckeye Insurance Group | $838 |
Find Affordable Toyota C-HR Insurance Rates
Are Toyota C-HRs Expensive To Insure?
Insuring a Toyota C-HR is moderately priced compared to other subcompact SUVs. In 2025, the average annual premium for full coverage on a Toyota C-HR is approximately $1,428, which is slightly above the national average of $1,311 for all vehicles. Factors contributing to this cost include the C-HR’s classification as a subcompact SUV and its advanced safety features, which can influence repair expenses and insurance rates. However, individual premiums can vary based on factors such as the driver’s age, location, driving history, and chosen coverage levels. To secure the most competitive rates, it’s advisable to compare quotes from multiple insurers and explore available discounts, such as those for safe driving or bundling policies.
Cost of Toyota C-HR Car Insurance By Age
Age is a major factor in determining car insurance rates. Teen drivers usually face the highest premiums, as they are statistically more likely to be involved in accidents than other age groups. As drivers get older and gain more experience, their insurance rates generally decrease due to a lower perceived risk.
| Drive Age | Good Driver | Recent Accident | 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 |
Toyota C-HR Car Insurance Rates By State
Your location has a major impact on how insurance companies determine your rates. Since each state regulates auto insurance differently, costs can vary widely. For instance, Michigan drivers often pay higher premiums due to the state’s requirement for more extensive coverage.
Weather conditions also play a role—some states face severe weather like hurricanes, storms, or flooding, which can raise insurance costs. In addition, local statistics on crime, car theft, accidents, and traffic fatalities are taken into account. Insurance companies use all of these factors when calculating the specific rate for your Toyota C-HR.
| State | Good Driver | Recent Accident | 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 |
| 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 |
| Georgia | $2,805 | $4,231 | $4,252 |
Find Affordable Toyota C-HR Insurance Rates
Cheapest Car Insurance Companies For A Toyota C-HR
The table above shows five of the most affordable insurance providers for a 2025 Toyota C-HR. Each of these companies offers full-coverage policies with estimated annual premiums around $1,050, which breaks down to roughly $88 per month. Providers like Commonwealth Casualty, Shelter Mutual, MetroMile, Lemonade, and State Farm stand out for offering low-cost options for C-HR drivers. While the pricing is similar across the board, the best choice often comes down to additional factors like customer service, discount availability, and coverage flexibility.
| Insurance Company | Average Company |
| Commonwealth Casualty | $88 |
| Shelter Mutual | $88 |
| MetroMile | $88 |
| Lemonade | $88 |
| State Farm | $88 |
Common Toyota C-HR Insurance Discounts
Taking advantage of discounts is an excellent way to reduce your car insurance costs. While each insurer offers different savings opportunities, there are a few common discounts you can check for:
-
Multi-policy discount: Bundling your auto insurance with other policies, like home insurance, from the same provider can often lead to lower rates.
-
Annual payment: Paying your premium in a single lump sum instead of monthly installments may qualify you for a discount.
-
Defensive driving courses: Completing a certified defensive driving class can make you eligible for additional savings.
There may be other discounts available to you as well. It’s a good idea to talk to your insurance agent, who can help you identify all the discounts you qualify for.
Ways To Save On Toyota C-HR Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Toyota C-HR insurance premiums. Traffic violations like speeding tickets or involvement in accidents can lead to higher rates.
For example, Toyota C-HR drivers with a ticket typically pay about $93 per month, while those with multiple accidents may see their rates rise to around $104 per month. Avoiding these incidents can help you maintain lower insurance costs.
Mileage also plays a role. Drivers who cover fewer miles each year are considered lower risk and tend to pay less. Toyota C-HR owners who drive between 5,001 and 7,500 miles annually pay about $105 per month, whereas those who drive more than 10,000 miles per year pay closer to $78 monthly.
Compare Toyota C-HR To Other Toyota Models
Looking for other Toyota model insurance costs?
- Toyota 4Runner Car Insurance
- Toyota Avalon Car Insurance
- Toyota Camry Car Insurance
- Toyota Corolla Car Insurance
- Toyota Highlander Car Insurance
- Toyota Land Cruiser Car Insurance
- Toyota Prius Car Insurance
- Toyota RAV4 Car Insurance
- Toyota Sequoia Car Insurance
- Toyota Sienna Car Insurance
- Toyota Supra Car Insurance
- Toyota Tacoma Car Insurance
- Toyota Tundra Car Insurance
- Toyota Yaris Car Insurance
- Toyota Mirai Car Insurance
- Toyota Prius C Car Insurance
- Toyota Prius Prime Car Insurance
- Toyota 86 Car Insurance
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind, though, that the numbers in this guide may not reflect your exact costs, as rates can vary based on your individual profile.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota C-HR?
Yes, you’ll need to show proof of insurance before you can drive your Toyota C-HR off the dealership lot. The best approach is to purchase a policy ahead of time and notify your insurance provider that you’re about to buy the vehicle, rather than relying on the dealership to arrange coverage for you.
How Can You Get The Cheapest Insurance For Your Toyota C-HR?
The most effective way to find the lowest insurance rates for your Toyota C-HR is to compare quotes from several auto insurance companies. Luckily, Insuranceopedia makes this easy by letting you compare rates from multiple providers directly on our website.
