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 auto insurance rates for a Toyota Yaris are $1,156 annually with full coverage. Comprehensive costs on average $200, collision costs $338, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,502. Teen 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:

Prices include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than larger metro areas.

The price range example below illustrates how where you live affects car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than relying on price averages.

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

More Rate Information

The chart below details estimated Toyota Yaris insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $682
• Using higher $1,000 deductibles will save around $122 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,156
• Choosing more expensive low deductibles for physical damage coverage will cost $1,392
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,502 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $4,546 or more

View Chart as Image

Insurance rates for a Toyota Yaris also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $360 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be varied 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 the Right Toyota Yaris Insurance

Finding cheaper rates on Toyota Yaris insurance requires having a good driving record, having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a quick rundown of the information touched on in the above illustrations.

• You may be able to save as much as $130 per year simply by shopping early and online
• Drivers age 20 and younger pay higher rates, as much as $379 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $350 each year
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,350 more each year to buy Toyota Yaris insurance
• Drivers who require increased levels of liability coverage will pay about $510 every year to increase from a 30/60 limit to higher 250/500 limits

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.