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 rates for a Toyota Yaris are $1,198 a year with full coverage. Comprehensive insurance costs approximately $208 a year, collision costs $376, and liability coverage is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing $2,604 or more. Teens cost the most to insure at $4,690 a year or more.

Average premium for full coverage: $1,198

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $702
• Choosing higher $1,000 deductibles can save $1,066 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,198
• Selecting low $100 deductibles for comp and collision coverage will cost an additional $260 each year
• Drivers with serious driving violations could pay around $2,604 or more
• Policy cost that insures a teenage driver can cost $4,690 each year

View Chart as Image

Auto insurance rates for a Toyota Yaris also range considerably based on the trim level of your Yaris, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,620 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $400 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Each auto insurer calculates rates differently, and quoted rates 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 Find Cheap Toyota Yaris Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare rates every time your policy renews by obtaining price quotes from direct companies, and also from local insurance agencies.

The list below is a brief summary of the information covered in the above illustrations.

• You may be able to save around $140 per year simply by quoting early and online
• Teenagers have the highest car insurance rates, as much as $391 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Drivers that tend to have accidents or serious violations may have to pay on average $1,410 more per year for car insurance
• Consumers who purchase higher liability limits will pay approximately $500 every year to raise limits from a 30/60 limit to the 250/500 level

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.