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 $1,156 a year including full coverage. Comprehensive costs an estimated $200 each year, collision insurance costs $338, and liability coverage costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $2,502. Teen drivers pay the highest rates at up to $4,546 a year.

Average premium for full coverage: $1,156

Price estimates broken down by individual coverage:

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Yaris models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how your location can change insurance prices.

The ranges above highlight why all drivers should compare prices for a targeted area, rather than using price averages.

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

Additional Charts and Tables

The chart below breaks down average Toyota Yaris insurance rates for other coverage scenarios.

• The lowest rate with discounts is $682
• Using higher $1,000 deductibles will save approximately $122 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,156
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,392
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,502
• The price that insures a teenage driver can cost as much as $4,546 or more

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be around 42% to 135% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,500 a year. View Rates by Age

The state you live in has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see prices as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,650 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $360 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

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 the Right Toyota Yaris Insurance

Getting lower rates on auto insurance requires being safe and accident-free, having above-average credit, being claim-free, and deciding if full coverage is necessary. Shop around once a year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a quick rundown of the data that was illustrated above.

• You may be able to save approximately $130 per year just by quoting online in advance
• Consumers who want more liability protection will pay about $510 per year to increase from a low limit to the 250/500 level
• Youthful drivers are charged the highest prices, possibly costing $379 a month if full coverage is included
• Drivers with reckless driving or DUI convictions could be charged and average of $1,350 more annually than a low-risk driver

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.