Toyota Yaris Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 auto insurance rates for a Toyota Yaris are $1,198 annually for full coverage insurance. Comprehensive insurance costs approximately $208 each year, collision costs $376, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing $2,604 or more. 16-year-old drivers pay the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,198

Price estimates by individual coverage:

Comprehensive $208
Collision $376
Liability $456

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

Price Range from Low to High

Using a 40-year-old driver as an example, Toyota Yaris insurance prices go from as cheap as $508 for liability-only coverage to a high rate of $2,604 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,198
High Risk $2,604

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations have fewer physical damage claims than congested cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $899
Small Cities $1,258
Large Cities $1,617

The ranges above illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

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

  • The best full coverage rate is $702
  • Raising to $1,000 deductibles will save $132 each year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,198
  • Buying low deductibles costs an additional $260 every year
  • At-risk drivers with multiple tickets or accidents could pay around $2,604 or more
  • The price with full coverage for a teen driver can cost $4,690

View Chart as Image

Toyota Yaris insurance cost comparison chart
Column chart showing full coverage Toyota Yaris insurance prices range from $702 to $4,690

Car insurance prices for a Toyota Yaris are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $400 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,620 on average in Florida, New York, and Michigan.

Toyota Yaris Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,084 -$114 -9.5%
Alaska $920 -$278 -23.2%
Arizona $996 -$202 -16.9%
Arkansas $1,198 -$0 0.0%
California $1,368 $170 14.2%
Colorado $1,148 -$50 -4.2%
Connecticut $1,232 $34 2.8%
Delaware $1,358 $160 13.4%
Florida $1,500 $302 25.2%
Georgia $1,106 -$92 -7.7%
Hawaii $862 -$336 -28.0%
Idaho $810 -$388 -32.4%
Illinois $894 -$304 -25.4%
Indiana $904 -$294 -24.5%
Iowa $808 -$390 -32.6%
Kansas $1,140 -$58 -4.8%
Kentucky $1,636 $438 36.6%
Louisiana $1,776 $578 48.2%
Maine $740 -$458 -38.2%
Maryland $988 -$210 -17.5%
Massachusetts $958 -$240 -20.0%
Michigan $2,084 $886 74.0%
Minnesota $1,004 -$194 -16.2%
Mississippi $1,436 $238 19.9%
Missouri $1,064 -$134 -11.2%
Montana $1,288 $90 7.5%
Nebraska $944 -$254 -21.2%
Nevada $1,438 $240 20.0%
New Hampshire $864 -$334 -27.9%
New Jersey $1,340 $142 11.9%
New Mexico $1,062 -$136 -11.4%
New York $1,264 $66 5.5%
North Carolina $690 -$508 -42.4%
North Dakota $980 -$218 -18.2%
Ohio $828 -$370 -30.9%
Oklahoma $1,232 $34 2.8%
Oregon $1,098 -$100 -8.3%
Pennsylvania $1,144 -$54 -4.5%
Rhode Island $1,600 $402 33.6%
South Carolina $1,086 -$112 -9.3%
South Dakota $1,012 -$186 -15.5%
Tennessee $1,050 -$148 -12.4%
Texas $1,446 $248 20.7%
Utah $888 -$310 -25.9%
Vermont $822 -$376 -31.4%
Virginia $720 -$478 -39.9%
Washington $928 -$270 -22.5%
West Virginia $1,100 -$98 -8.2%
Wisconsin $830 -$368 -30.7%
Wyoming $1,070 -$128 -10.7%

View Chart as Image

Toyota Yaris insurance rates by U.S. city

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Toyota Yaris Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Yaris 2-Dr Hatchback $1,244 $104
Toyota Yaris 4-Dr Hatchback $1,188 $99
Toyota Yaris 4-Dr Sedan $1,188 $99
Toyota Yaris S 2-Dr Hatchback $1,278 $107
Toyota Yaris S 4-Dr Hatchback $1,222 $102
Toyota Yaris S 4-Dr Sedan $1,222 $102

Rates assume 2017 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.

Toyota Yaris Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Toyota Yaris $208 $376 $456 $1,198
2014 Toyota Yaris $180 $292 $464 $1,094
2013 Toyota Yaris $176 $272 $474 $1,080
2012 Toyota Yaris $164 $252 $474 $1,048
2009 Toyota Yaris $140 $190 $474 $962
2008 Toyota Yaris $134 $170 $468 $930
2007 Toyota Yaris $132 $166 $460 $916

Rates are averaged for all Toyota Yaris models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Cheapest Toyota Yaris Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to shop around once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a recap of the data that was raised in the charts and tables above.

  • It is possible to save around $140 per year simply by quoting online in advance
  • Policyholders who purchase higher liability limits will pay around $500 annually to raise from a low limit to higher 250/500 limits
  • Teens pay the highest auto insurance prices, as much as $391 a month if comprehensive and collision insurance is included
  • Higher risk drivers that have major violations or accidents could be forced to pay on average $1,410 more per year for Yaris insurance

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. 

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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.

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.

Rates by Driver Age

Toyota Yaris Insurance Rates by Driver Age
Driver Age Premium
16 $4,690
20 $2,778
30 $1,236
40 $1,198
50 $1,098
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

Toyota Yaris Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,336
$500 $1,198
$1,000 $1,066

Full coverage, driver age 40

Rates by Liability Limit

Toyota Yaris Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
50/100 $1,313
100/300 $1,427
250/500 $1,724
100 CSL $1,359
300 CSL $1,610
500 CSL $1,792

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Yaris Insurance Rates for High Risk Drivers
Age Premium
16 $6,654
20 $4,430
30 $2,640
40 $2,604
50 $2,488
60 $2,466

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $62
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $83
Total Discounts $496
Rate after discounts $702

Discounts are estimated and may not be available from every company or in every state.

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