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 prices for a Toyota Yaris are $1,198 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $208, collision costs $376, and liability coverage costs around $456. A liability-only policy costs as low as $508 a year, with high-risk insurance costing $2,604 or more. Teen drivers 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:

Prices include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why everyone should compare prices using their specific location and their own driving history, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $702
• Using higher $1,000 deductibles will save $132 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,198
• Choosing pricier low deductibles for physical damage coverage costs an extra $260 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,604 or more
• Policy cost to insure a teenage driver for full coverage can cost $4,690 or more

View Chart as Image

Car insurance rates for a Toyota Yaris also range considerably based on liability limits and deductibles, your risk profile, and the model of your Yaris.

Choosing high deductibles could cut rates by as much as $400 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra every year, depending on your age. Toyota Yaris insurance for high-risk drivers can be around 43% to 130% more than average. View High Risk Driver Rates

Your home state has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see rates as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,620 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes 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 Shop for the Right Toyota Yaris Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Invest the time to compare rates every couple of years by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the material that was presented in the illustrations above.

• Consumers who purchase increased liability limits will pay about $500 annually to increase from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 pay the highest auto insurance rates, possibly costing $391 each month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions may have to pay on average $1,410 more per year to insure a Toyota Yaris
• Increasing comprehensive and collision deductibles could save as much as $400 each year

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.