Toyota C-HR insurance rates

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Toyota CH-R is $133.42 — or $1,601.04. However, some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose. And your actual costs will depend on your driving history, age, ZIP and other specific factors.

Model Year	Progressive	Geico	State Farm	Farmers	Average
2018 Toyota C-HR	$133.24	$100.49	$149.66	$141.52	$131.23
2021 Toyota C-HR	$118.74	$106.02	$154.50	$154.40	$133.42

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

• Bodily injury liability per person: $50,000
• Bodily injury liability per accident: $100,000
• Property damage liability: $50,000
• Comprehensive deductible: $500
• Collision deductible: $500
• Medical payments: $5,000
• Uninsured motorist bodily injury: $50,000/$100,000

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How do I compare insurance for the Toyota C-HR?

This car’s standard price tag, small CUV body and minimal coverage needs could keep your rates low.

• Body type. This vehicle is Toyota’s smallest crossover, which may keep insurance rates down.
• Sale price. C-HR owners receive a standard price tag of $22,000 to $27,000, making it a cheaper vehicle to repair after an accident.
• Fuel. The CUV includes a fair fuel economy rated at 27 mpg for city and 31 for highway. Reviewers say the vehicle surpasses its rating on the road.
• Maintenance. This car comes with Toyota’s helpful two-year, 25,000-mile maintenance plan for free to keep it in good condition.
• Theft. Despite other Toyota models having high theft rates, the C-HR isn’t yet included in that lot.
• Coverage. Because of this CUV’s low ticket price and theft rates, you could opt for standard coverage. However, comprehensive may help if the C-HR becomes a theft target as more C-HRs hit the road.
• Insurer options. You’ll find plenty of providers willing to cover this standard car, giving you a competitive edge on rates.
• Warranty. Toyota offers a basic three-year, 36,000-mile warranty along with a five-year, 50,000-mile warranty for the powertrain. You’ll also get towing assistance to the nearest Toyota dealership if your C-HR breaks down due to failure of a warranty-covered part.

Does the Toyota C-HR qualify for discounts?

Along with expected low insurance rates, you could qualify for discounts with several C-HR safety features:

How reliable is the Toyota C-HR?

This new Toyota model includes high safety ratings and expected reliability. However, it comes with a few caveats: two recalls and poor headlight illumination.

• Safety. The C-HR doesn’t disappoint with safety, receiving high marks from both the IIHS and NHTSA. The only feature rated Poor by the IIHS was the car’s headlights, which provided inadequate visibility around curves during testing.
• Reliability. This new model has little long-term information about reliability. However, recent car owners rate the car highly on review sites, and the C-HR has a 4 out of 5 stars for predicted reliability by J.D. Power.
• Recalls. The car does have several recalls involving insufficiently tightened rear wheel bolts and a malfunctioning parking brake.

Bottom line

The Toyota C-HR gives multiple reasons to get standard or below average insurance rates, including its small size and standard MSRP. Shop for multiple providers to get the best deal, or learn about insurance for another make or model.