Toyota C-HR Insurance
(And how to get the lowest premiums.)
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Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.
Reviewed by
Bringing over 15 years of insurance experience, Greg is passionate about helping individuals and businesses understand their insurance options.
Your Toyota C-HR requires certain types and amounts of insurance, but shopping around can be a hassle. Consult a local independent insurance agent to learn about the rules in your area about car insurance, get multiple quotes from different companies, and receive guidance on how to get the most out of your insurance policy. To get insurance personalized for you and your Toyota, get hold of an agent right away.
Not sure where to look?
Use this find-an-agent tool to get matched with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Toyota C-HR.
What Kind of Insurance Do You Need for Your Toyota C-HR?
Bodily Injury Liability
If you are in an accident that you caused, the costs associated with recovery and medical care for anyone who is injured are covered by bodily injury liability insurance. In many places, this is mandatory coverage.
Property Damage Liability
You may also be required by law to carry a certain minimum amount of property damage liability insurance. Talk with your agent about whether you should carry more than the minimum amount. If you cause damage to someone else's property with your vehicle, you may be required to pay damages that exceed the limits of your policy.
Medical Payments/Personal Injury Protection
You may be able to choose either medical payments insurance or personal injury protection, depending on where you live. This type of insurance may pay for costs of physical recovery for you and your passengers if you are in an accident.
Uninsured Motorist Coverage
Even though it's illegal to drive without auto insurance in many areas of the country, many people choose to do so. Uninsured and underinsured motorist coverage protects you from having to pay for damage caused by someone who doesn't have enough insurance or the right types of insurance.
Optional Coverage:
Collision
Collision insurance coverage will handle repair bills or replace your Toyota if your are in an accident with another vehicle or if you hit something. Your agent can help you understand the pros and cons of this optional coverage.
Comprehensive
If your car is vandalized or you are in an accident caused by an animal in the road or falling objects, your comprehensive insurance coverage pays for repair or replacement of your Toyota up to the car's fair market value.
Glass Coverage
Replacing a windshield can be expensive, but you shouldn't put it off. Glass coverage with a zero deductible helps you replace your broken glass without having to pay out of pocket for the repair.
Gap Insurance
You may have declined the optional gap insurance coverage if you purchased a new Toyota C-HR, but it's not too late to add this important coverage if you owe more money on your car than it's worth. Your agent can help you weigh the value of your car against your outstanding loan amount to understand whether this coverage makes sense.
What Affects the Cost of Insurance for Your Toyota C-HR?
Annual Mileage: Insurance costs a bit more if you drive more than 10,000 to 15,000 miles per year.
Your Driving Record: Having a spotless driving record could save you hundreds on your C-HR insurance premiums. If you have moving violations or at-fault accidents on your record, talk with your insurance agent about finding the right insurance company.
The Value of Your Vehicle: High value and luxury vehicles tend to cost more to fix or replace, so it makes sense that insurance companies would charge higher premiums for those cars.
Average Toyota C-HR Insurance Costs
The average 40-year-old Toyota C-HR driver pays $1,092 each year for full coverage auto insurance, including comprehensive and collision coverage.
Average liability-only insurance rates on the C-HR are just $246 per year.
New drivers at age 16 pay higher average rates at $3,894 per year. Your agent can help you understand how various factors contribute to your auto insurance rates.
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The Safety of Your Toyota C-HR
The NHTSA gave the 2019 Toyota C-HR an overall five-star safety rating. Here are the safety features that come standard with the newest Toyota C-HR models:
- Forward collision warning
- Lane departure warning
- Crash imminent braking
- Dynamic brake support
How Location Affects Your Toyota C-HR Insurance
Drivers in large cities may pay much higher insurance rates than those who live in smaller towns. Your location has a big effect on your car insurance premiums, so it's important to get a personalized quote from your agent.
Toyota C-HR insurance average rates:
40-year-old driver | Full coverage | $500 deductible
| Los Angeles, CA: | Chicago, IL: | Columbus, OH: |
| $1,866 | $1,465 | $912 |
Additional Factors That Affect Your Toyota C-HR Insurance Premiums
- Safety features like anti-theft devices
- Your age
- Your gender
- The deductibles you choose
- Your credit rating
Average Cost to Insure a Toyota C-HR
| Average annual cost to insure a Toyota C-HR with full coverage: | $1,092 |
| Teens: | $3,894 |
| High-Risk Drivers: | $2,344 |
| High Deductibles: | $924 |
| Low Deductibles: | $1,416 |
| Top 3 most expensive states for Toyota C-HR insurance: | |
| Florida, Michigan, and New York | $1,470 |
| Top 3 most affordable states for Toyota C-HR insurance: | |
| New Hampshire, Ohio, and Utah | $790 |
Top Independent Insurance Carriers That Insure the Toyota C-HR
According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers:
- Progressive
- Safeco
- Travelers
- Auto-Owners Insurance
Get a Toyota C-HR Quote
When you work with an independent insurance agent, you'll get multiple quotes from companies offering the Toyota C-HR insurance you need most. You can use the TrustedChoice.com find-an-agent tool to get in touch with an agent in your area. Get started finding the right insurance at a great price, today.
IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver