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 auto insurance rates for a Toyota Yaris are $1,198 annually for full coverage. Comprehensive costs an estimated $208, collision costs $376, and liability insurance costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing around $2,604. Teenage drivers pay the most at $4,690 a year or more.

Average premium for full coverage: $1,198

Premium estimates broken down by type of coverage:

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on insurance rates. More rural locations are statistically proven to have fewer accident claims than densely populated cities.

The price range example below illustrates the effect of geographic area on insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Analysis

The chart below shows estimated Toyota Yaris insurance rates for other coverage scenarios.

• The best discount rate is $702
• Drivers who choose higher $1,000 deductibles will pay approximately $132 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,198
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,458
• High risk drivers who are prone to accidents and violations could pay up to $2,604 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,690 a year

View Chart as Image

Insurance prices for a Toyota Yaris also have a wide range based on the model of your Yaris, your driver profile, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage 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 without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $400 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit

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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,710 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, and prices will be substantially 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 Low Cost Toyota Yaris Insurance

Finding better rates on Toyota Yaris insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The items below are a review of the information covered in the above illustrations.

• Drivers can save approximately $140 per year simply by shopping early and online
• Teen drivers are expensive to insure, as much as $391 per month if they have full coverage
• Increasing policy deductibles could save up to $400 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,410 more annually to insure their Yaris
• Drivers who want more liability coverage will pay an extra $500 each year to go from 30/60 bodily injury limits to higher 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.