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.

Average auto insurance rates for a Toyota Yaris are $1,198 annually including full coverage. Comprehensive costs around $208 a year, collision costs $376, and liability coverage costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing around $2,604. Teen drivers receive the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,198

Rate estimates for individual coverage type:

Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Yaris trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.

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

These examples highlight why it is important to compare rates for a specific zip code and their own personal driving habits, rather than using price averages.

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

Detailed Rate Analysis

The chart below breaks down estimated Toyota Yaris insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $702
• Drivers who choose higher $1,000 deductibles will pay about $1,066 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,198
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,458
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,604 or more
• The cost with full coverage for a teenage driver can be $4,690 a year

View Chart as Image

Auto insurance rates for a Toyota Yaris can also vary considerably based on the trim level of your Yaris, your driving characteristics, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $400 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,710 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to get quotes and see how they stack up. Every company uses a different rate calculation, and quoted rates can be significantly 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 the Right Toyota Yaris Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a quick rundown of the data covered in the above illustrations.

• Consumers who may need more liability coverage will pay about $500 per year to go from a minimum limit to higher 250/500 limits
• You may be able to save up to $140 per year simply by quoting early and online
• Increasing deductibles could save up to $400 each year
• Teen drivers are expensive to insure, as much as $391 per month if full coverage is included

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.