2009 Toyota Yaris Insurance Rates
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UPDATED: Nov 16, 2021
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Average insurance rates for a 2009 Toyota Yaris are $1,048 a year for full coverage. Comprehensive insurance costs around $164 each year, collision costs $252, and liability costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,264 or more. Teenage drivers receive the highest rates at $4,220 a year or more.
Annual premium for full coverage: $1,048
Rate estimates for 2009 Toyota Yaris Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2009 Toyota Yaris models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $522 for just liability insurance to a high rate of $2,264 for high-risk insurance.
These differences show why all drivers should compare rates for a specific zip code and risk profile, instead of using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2009 Toyota Yaris Insurance
Locating low-cost insurance for a Toyota Yaris can turn out to be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to buy insurance coverage so you’re going to learn the quickest way to compare rates for a new or used Toyota and get the lowest price either online or from local insurance agents.
Consumers need to compare prices on a regular basis since insurance rates change quite often. Even if you got the best price on Yaris coverage on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because you’re about to find out one of the easiest ways to find the best coverage while lowering your premiums.
Buying car insurance is not rocket science. If you have a policy now or are shopping for new coverage, you can follow these tips to cut your premiums and possibly find even better coverage. Consumers only need an understanding of the best way to compare price quotes on the web.
The quickest method we recommend to get policy rate comparisons is to take advantage of the fact all the major auto insurance companies participate in a system to provide you with free rate quotes. The only thing you need to do is take a few minutes to give details such as which vehicles you own, your occupation, driver ages, and coverage limits. That rating information is then sent to multiple auto insurance providers and they return cost estimate instantly to find the best rate.
You probably qualify for some discounts
Companies offering auto insurance don’t necessarily list every available discount very well, so we took the time to find both the well known and the harder-to-find ways to save on insurance coverage. If you don’t get every credit you deserve, you are throwing money away.
- Own a Home – Being a homeowner may earn you a small savings because owning a home shows financial diligence.
- Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
- Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
- Driver Safety – Taking a driver safety course could cut 5% off your bill if you qualify.
- Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
As a disclaimer on discounts, many deductions do not apply the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.
A partial list of companies that possibly offer some of the above discounts are:
- American Family
- State Farm
- 21st Century
Before buying, ask each company which discounts they offer. Discounts might not apply in your area.
There’s no such thing as the perfect policy
When it comes to choosing adequate coverage, there is no best way to insure your cars. Every insured’s situation is different.
For instance, these questions may help you determine if you may require specific advice.
- At what point should I drop full coverage?
- Should I buy additional glass protection?
- Will I lose any money if I cancel my policy before it expires?
- Is my vehicle covered by my employer’s policy when using it for work?
- Why do I only qualify for high-risk insurance?
- What discounts do I qualify for?
- Can I rate high risk drivers on liability-only vehicles?
- How high should my medical payments coverage be?
- Does car insurance cover theft of personal property?
If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.
Specifics of your auto insurance policy
Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Comprehensive (Other than Collision)
This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like vandalism, damage from a tornado or hurricane, damage from flooding, hitting a bird and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Liability auto insurance
This protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage pays for claims like pain and suffering, funeral expenses and loss of income. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.
Protection from uninsured/underinsured drivers
This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Toyota Yaris.
Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Medical expense insurance
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like X-ray expenses, chiropractic care, pain medications, dental work and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Collision coverage will pay to fix damage to your Yaris from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.
Get your money’s worth
As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice collision coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at the best price.
Low-cost 2009 Toyota Yaris insurance is available from both online companies as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. A few companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
We just presented some good ideas how to lower your insurance rates. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the biggest savings come from the least-expected company.
To read more, feel free to visit the articles below:
Rates by U.S. City
|New York City, NY||$1,656|
|Los Angeles, CA||$1,791|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$66|
|5-yr Claim Free||$66|
|Paid in Full/EFT||$39|
Discounts are estimated and may not be available from every company or in every state.