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 prices for a Toyota Yaris are $1,156 every 12 months with full coverage. Comprehensive insurance costs approximately $200 a year, collision costs $338, and liability costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,502 or more. Teenage drivers cost the most to insure at $4,546 a year or more.

Average premium for full coverage: $1,156

Policy rates by type of insurance:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance prices.

The examples above demonstrate why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below details estimated Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The best discount rate is $682
• Using higher $1,000 deductibles will save $1,034 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,156
• Using low $100 deductibles for physical damage coverage costs an extra $236 annually
• High-risk insureds who are prone to accidents and violations could pay around $2,502 or more
• Policy cost to insure a 16-year-old driver can cost $4,546 or more

View Chart as Image

Car insurance rates for a Toyota Yaris also range considerably based on liability limits and deductibles, your driving record, and the model of your Yaris.

Using high physical damage deductibles could cut rates by as much as $360 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can be from 42% to 135% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,560 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 Shop for Low Cost Toyota Yaris Insurance

Finding cheaper rates on insurance for a Toyota Yaris requires avoiding accidents and claims, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to compare rates every couple of years by requesting quotes from direct companies, and also from insurance agencies where you live.

The points below are a review of the material that was presented in the illustrations above.

• Insureds who purchase increased liability limits will pay an extra $510 every year to increase from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 pay the highest auto insurance rates, as much as $379 each month if the policy includes full coverage
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,350 more per year to insure a Toyota Yaris
• Increasing comprehensive and collision deductibles could save as much as $350 each year

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.