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.

Estimated insurance rates for a Toyota Yaris are $1,198 a year for full coverage. Comprehensive costs around $208 each year, collision insurance costs $376, and liability insurance costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs around $2,604. Teens pay the most at up to $4,690 a year.

Average premium for full coverage: $1,198

Premium estimates for type of coverage:

Includes $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Yaris models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance rates.

These rate differences show why all drivers should compare rates for a specific zip code and risk profile, rather than relying 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
• Drivers who choose higher $1,000 deductibles will pay about $132 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,198
• Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,458
• High risk drivers with serious driving violations could pay at least $2,604
• An auto insurance policy for full coverage for a teen driver can be $4,690 a year

View Chart as Image

Insurance prices for a Toyota Yaris also have a wide range based on your driving characteristics, the trim level of your Yaris, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay 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 could save up to $400 each year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere 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 the Cheapest Toyota Yaris Insurance

Finding better rates on Toyota Yaris insurance not only requires having a good driving record, but also maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates every time your policy renews by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a recap of the information touched on in this article.

• Drivers can save up to $140 per year just by quoting online in advance
• Drivers age 20 and younger pay higher prices, as much as $391 per month for full coverage
• Increasing policy deductibles can save around $400 each year
• High-risk drivers that have major violations or accidents may be required to pay an average of $1,410 more every year to buy Toyota Yaris insurance
• Drivers who may need increased levels of liability coverage will pay approximately $500 each year to go from 30/60 bodily injury limits to 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.