Toyota Yaris Insurance Rates

Is the Toyota Yaris expensive to insure? The average Toyota Yaris insurance rates are $109 per month or $1,310 annually. However, you might receive a cheaper insurance quote for a Toyota Yaris if you comparison shop for cheap car insurance. 

Read through our comprehensive guide to learn how car insurance rates are calculated so you can get the lowest Toyota Yaris insurance costs. 

When you’re ready to shop for cheap Toyota Yaris car insurance rates, just enter your five-digit ZIP code into our FREE quote comparison tool to get started.

The average insurance rates for a Toyota Yaris are $1,198 a year for full coverage. Comprehensive insurance costs on average $208 each year, collision insurance costs $376, and liability insurance is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs $2,604 or more. Teens cost the most to insure at up to $4,690 a year.

Average premium for full coverage: $1,198

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why all drivers should get quotes based on a specific location and risk profile, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Toyota Yaris insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $702
• Choosing higher $1,000 deductibles can save around $132 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,198
• Selecting low deductibles for comp and collision coverage will cost an extra $260 a year
• High-risk insureds with serious driving violations could pay upwards of $2,604
• Policy cost for full coverage for a teen driver may cost $4,690 each year

View Chart as Image

Car insurance rates for a Toyota Yaris also range considerably based on your risk profile, the trim level of your Yaris, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,710 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $400 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Toyota Yaris Insurance

Finding cheaper rates on Toyota Yaris insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The items below are a brief summary of the concepts that were covered above.

• High-risk drivers that tend to have accidents or serious violations will pay on average $1,410 more each year to insure their Yaris
• Teen drivers are expensive to insure, costing up to $391 each month if full coverage is included
• Drivers can save as much as $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $400 each year
• Drivers can save as much as $140 per year just by quoting online in advance

As you’ve learned from the information above, many factors impact your car insurance rates, like the age of your Yaris model. For example, the 2007 Toyota Yaris insurance costs will be much lower than the 2019 Toyota Yaris insurance averages. 

To get cheap Yaris car insurance, just enter your ZIP code into our FREE quote comparison tool below. 

What are the safety ratings for the Toyota Yaris?

Understanding the Toyota Yaris safety ratings can help you discover car insurance discounts you might qualify for, or expose areas where your vehicle may be increasing your rates. 

Check out the 2020 Toyota Yaris Hatchback safety ratings below.

• Small overlap front (driver-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

A rating of ‘Good’ is the best score given by the Insurance Institute for Highway Safety. Unfortunately, the headlights received a ‘Poor’ rating. However, these great ratings will be reflected in your car insurance rates.

Toyota Yaris Compared Against Other Vehicles in the Same Class

Comparing the Toyota Yaris to similar vehicles can help you save money, especially if the Toyota Yaris has better loss ratios than other vehicles in its class.

Officially, the Insurance Institute for Highway Safety classifies it as a mini four-door car.

Is the Toyota Yaris good compared to other similar cars? See other comparable mini four-door cars below.

• Chevrolet Spark
• Ford Fiesta
• MINI Cooper

The collision, property damage, and comprehensive insurance loss ratios are all average for the Toyota Yaris, at -17 percent, -11 percent, and -19 percent respectively. Overall, these numbers are not bad, but not great either.

Many drivers want to know what is the cheapest car to insure, but your rates have more to do with you than the car you drive. High-risk drivers with rock driving records will still receive higher than average rates even if they buy the cheapest cars to insure. 

However, specialty vehicles, like sports cars or extreme luxury vehicles, do cost more to insure. Therefore, purchasing a reliable, safe, and affordable economy sedan can help lower your average premiums. 

You’re now an expert on securing the lowest Toyota Yaris insurance rates. When you’re ready to find your lowest Toyota Yaris costs for insurance, just enter your ZIP code into our FREE quote comparison tool and start shopping.