2015 Toyota Yaris Insurance Rates
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UPDATED: Jun 12, 2015
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Average insurance rates for a 2015 Toyota Yaris are $1,228 a year with full coverage. Comprehensive insurance costs an estimated $218, collision insurance costs $400, and liability costs around $452. Buying a liability-only policy costs as low as $504 a year, and high-risk insurance costs $2,664 or more. Teen drivers receive the highest rates at up to $4,772 a year.
Annual premium for full coverage: $1,228
Rate estimates for 2015 Toyota Yaris Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 driver in their 40's, prices range range from as low as $504 for just liability insurance to a much higher rate of $2,664 for a driver who has had serious violations or accidents.
These differences demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using price averages.
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 2015 Toyota Yaris Insurance
Trying to find cheaper car insurance rates for your Toyota Yaris? Searching for cheaper insurance for a Toyota Yaris can normally be an all-consuming task, but you can learn our car insurance buying tips to save time.
There are more efficient ways to compare car insurance rates so we’re going to tell you the best way to quote coverages for your Toyota and obtain the lowest price from both online companies and local agents.
It’s a good habit to compare rates once or twice a year because insurance rates trend upward over time. Despite the fact that you may have had the lowest price for Yaris coverage a year ago you can probably find a better price now. So forget all the misinformation about car insurance because you’re about to learn one of the quickest ways to find better rates and still maintain coverage.
How to Compare Car Insurance
Most major insurance companies such as State Farm, GEICO and Progressive quote coverage prices on the web. Obtaining pricing doesn’t take a lot of time as you just enter your required coverages into the quote form. After you submit the form the company’s rating system pulls your credit score and driving record and quotes a price.
Online price quotes simplifies rate comparisons, but having to visit multiple sites and type in the same information gets old quite quickly. Unfortunately, it is important to perform this step in order to get a lower rate.
There is a better way to compare rates
The smarter way to find cheaper rates makes use of a single form that gets prices from several companies at one time. This type of form saves time, reduces the work, and makes online shopping much easier. Once the form is submitted, your coverage is rated and you can choose any or none of the quotes that you receive.
If the quotes result in lower rates, it’s easy to complete the application and buy the policy. It can be completed in a matter of minutes and can result in significant savings.
To save time and compare rates now, click here to open in new window and fill out the form. If you currently have coverage, we recommend you replicate coverages and limits as close as possible to your current policy. This way, you will have rate comparison quotes for the exact same coverage.
You may need specialized coverage
When buying proper insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might help in determining if your situation could use an agent’s help.
- Will filing a claim cost me more?
- Can I afford to buy a different vehicle if my 2015 Toyota Yaris is totaled?
- How can I find cheaper teen driver insurance?
- When would I need additional glass coverage?
- Is my 2015 Toyota Yaris covered for flood damage?
- Does coverage extend to Mexico or Canada?
- Can my teen drive my company car?
- Are there companies who specialize in insuring high-risk drivers?
- How much liability do I need to cover my assets?
- What if I total my 2015 Toyota Yaris and owe more than it’s worth?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Auto insurance policy specifics
Knowing the specifics of auto insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
Liability insurance provides protection from injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.
Liability can pay for claims such as pain and suffering, legal defense fees, emergency aid, structural damage and court costs. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.
Medical expense coverage
Med pay and PIP coverage provide coverage for bills like rehabilitation expenses, surgery and pain medications. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like scraping a guard rail, damaging your car on a curb, colliding with another moving vehicle, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like rock chips in glass, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Uninsured or underinsured coverage
This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these limits are identical to your policy’s liability coverage.
Rates by U.S. City
|New York City, NY||$1,935|
|Los Angeles, CA||$2,097|
Need a specific model?
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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||$86|
|5-yr Claim Free||$79|
|Paid in Full/EFT||$52|
Discounts are estimated and may not be available from every company or in every state.