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 insurance rates for a Toyota Yaris are $1,198 a year for full coverage. Comprehensive insurance costs around $208, collision costs $376, and liability coverage is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $2,604 or more. Teenage 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:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Yaris models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance rates.

These examples show why everyone should get quotes for a specific zip code, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $702
• Choosing higher $1,000 deductibles can save about $132 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,198
• Using pricier low deductibles for comp and collision coverage will cost an additional $260 each year
• Drivers who are prone to accidents and violations could pay at least $2,604 or more
• The cost that insures a teenage driver for full coverage can be $4,690 each year

View Chart as Image

Car insurance rates for a Toyota Yaris can also vary considerably based on the model of your Yaris, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. Toyota Yaris insurance for high-risk drivers ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,710 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $400 a year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know your exact price is to regularly compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different.

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 Cheaper Toyota Yaris Insurance

Saving money on auto insurance takes being a low-risk driver, having a positive credit history, eliminating unneeded coverage, and qualifying for all possible discounts. Compare prices every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the information raised in the charts and tables above.

• Drivers can save up to $140 per year simply by quoting online well ahead of the renewal date
• Teen drivers are the costliest to insure, costing as high as $391 per month if full coverage is purchased
• Increasing deductibles can save approximately $400 each year
• Drivers with multiple at-fault accidents pay on average $1,410 more every year to insure their Yaris
• Consumers who may need more liability coverage will pay an extra $500 each year to raise limits from a minimum 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.