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.

U.S. average auto insurance rates for a Toyota Yaris are $1,156 annually with full coverage. Comprehensive costs an estimated $200, collision costs $338, and liability costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $2,502. Teenage drivers pay the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Yaris models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. More rural locations have fewer collision claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

The ranges above demonstrate why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Details

The chart below details estimated Toyota Yaris insurance rates for other coverage scenarios.

• The best discount rate is $682
• Drivers who choose higher $1,000 deductibles will pay approximately $122 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,156
• Using pricier low deductibles for comprehensive and collision insurance will cost $1,392
• Drivers who are prone to accidents and violations could pay up to $2,502 or more
• The price with full coverage for a 16-year-old driver for full coverage can cost as much as $4,546 a year

View Chart as Image

Auto insurance prices for a Toyota Yaris are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,400 to $1,900 in extra premium each year, depending on your age. Toyota Yaris insurance for high-risk drivers can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $360 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay 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

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices from multiple companies. Every company uses a different method to calculate prices, and quoted prices may be quite different between companies.

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 Buy More Affordable Toyota Yaris Insurance

Getting lower rates on insurance for a Toyota Yaris not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a summary of the data that was touched on above.

• You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
• Insureds who want an increased level of liability coverage will pay an extra $510 every year to go from a low limit to higher 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, costing up to $379 a month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,350 more annually than a safer driver

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.