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 insurance rates for a Toyota Yaris are $1,198 a year for full coverage. Comprehensive insurance costs around $208, collision insurance costs $376, and liability is $456. A policy with just liability insurance costs around $508 a year, and coverage for high-risk drivers costs $2,604 or more. Teens pay the highest rates at up to $4,690 a year.

Average premium for full coverage: $1,198

Price estimates for individual coverage:

Full coverage includes $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Yaris trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of making a decision based 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 additional coverage choices and driver risks.

• The cheapest rate after discounts is $702
• Raising to $1,000 deductibles will save about $132 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,198
• Selecting more expensive low deductibles will cost an extra $260 annually
• Drivers with serious driving violations could pay at least $2,604
• The price for full coverage for a 16-year-old driver with full coverage can be $4,690

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on your driving record, the trim level of your Yaris, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

The state you live in also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find prices 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 reduce prices by up to $400 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost 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 More Affordable Toyota Yaris Insurance

Getting lower rates on insurance for a Toyota Yaris consists of not taking risks behind the wheel, maintaining good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following is a summary of the data that was raised in the charts and tables above.

• Drivers can save up to $140 per year just by shopping early and online
• Insureds who may need higher liability limits will pay approximately $500 each year to raise from a low limit to 250/500 limits
• Teens pay higher prices, with premiums as much as $391 a month for full coverage
• Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,410 more every year for Yaris insurance

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.