Toyota C-HR insurance group
Compare car insurance costs for your Toyota C-HR based on the specific model version, the driver's age and their location.
The Toyota C-HR is a family SUV slightly smaller – and cheaper – than its RAV4. It’s also one of the most economic vehicles in its class and it’s relatively cheap to insure too. In this guide, you’ll find out some key information on insuring this vehicle and the potential costs involved.
What insurance group does the Toyota C-HR fall under?
Every car you see on the road has been assigned an insurance group to help insurance group determine a suitable premium to issue its owners. These groups range from 1 (cheapest) to 50 (most expensive). You’ll find Toyota C-HR models within insurance groups 14 to 22, meaning the car insurance will be on the cheap side.
The costs vary slightly between different Toyota C-HR insurance groups, due to the various differing factors related to the vehicle. For example, a 30-year-old driver in an average postcode could pay around £768 for cover on a Toyota C-HR Icon 1.8 Hybrid FWD auto 5d that is in insurance group 14 or around £830 for a Toyota C-HR Orange Edition 2.0 VVT-i Hybrid 184hp auto 5d that is in insurance group 22. As you can see from this example, there’s a significant jump between prices, when one car is in a much higher insurance group.
Toyota C-HR insurance cost by location
The table above shows the average cost of Toyota C-HR insurance, based only on insurance groups and driver age. However, there are a few other factors that affect the cost of your car insurance premiums.
Your location is one of the most significant of these factors. To illustrate this, we have pulled together some average quotes for a 30-year-old living in three different locations. The quotes are for a Toyota C-HR Dynamic 1.8 VVT-i Hybrid 122hp auto 5d.
- Expensive: £948 (London SE1)
- Average: £791 (Newcastle NE1)
- Cheap: £578 (Galashiels TD1)
Which factors affect my Toyota C-HR insurance rate?
Here are some other factors that have an impact on your insurance premium costs:
- Engine type and capacity. Vehicles with bigger engines tend to cost more to insure, as they cost more to replace or repair. For example, it may cost £932 for insurance for a Toyota C-HR Design 1.2 VVT-i Turbo 5d, while you may pay £974 for a Toyota C-HR Excel 2.0 VVT-i Hybrid 184hp auto 5d. That’s an extra 42 per year for an engine that’s 0.8 litres bigger. Perhaps you’ll be prepared to pay a little more for that extra power.
- Driver location. Insurers will determine the level of risk of your car being stolen or involved in an accident based on where you live, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £948 for insurance for a Toyota C-HR Lime Edition Hybrid 1.8 VVT-i auto 5d, while the same 30-year-old in Newcastle may only pay £791. This £157 difference occurs because Londoners are statistically more likely to make a claim on their car insurance than those living in Newcastle.
- Driver age. The youngest drivers are statistically the most likely to make a claim on their car insurance and that’s why they are charged much higher premiums. The average 20-year-old driver in London may pay £1,694 for the Toyota C-HR Orange Edition 2.0 VVT-i Hybrid 184hp auto 5d, while the average 40-year-old Londoner will only pay £887. As you can see, the average 20-year-old would have to pay almost double to insure this vehicle.
Other factors that influence the cost of your insurance include:
- Your marital status
- Your occupation
- Your credit history
- Your car’s safety rating score
- The model of your car
- The age of your car
- Your car’s security
- Your car’s anti-theft precautions
- Your annual mileage
- Your driving history and activity
- Your no-claims discount
How can I save on my Toyota C-HR premiums?
There are plenty of actions you can take to lower the cost of your car insurance premium, and we’ve listed some of them below.
- Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
- Pay annually rather than monthly. When you pay annually, you eliminate the possibility of paying interest on your premiums.
- Install extra safety precautions. The safer you can make your car, the more your insurer is likely to reward you with lower premiums.
- Shop around for the best deal every year. Don’t just settle for the renewal price given to you – there may be cheaper options out there!
The Toyota C-HR is a worthy edition to the line-up from the Japanese manufacturer. It’s smaller and more affordable than the RAV4, while being more stylish than a Prius. What’s more, you’ll pay well below the average rate to insure it – and the tips in this guide will help you reduce your premiums even further.
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