Toyota Yaris Insurance Rates
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UPDATED: Jun 12, 2024
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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.
Average insurance rates for a Toyota Yaris are $1,228 a year for full coverage. Comprehensive insurance costs approximately $218, collision costs $400, and liability coverage is estimated at $452. A policy with just liability insurance costs approximately $504 a year, with coverage for high-risk drivers costing $2,664 or more. Teens receive the highest rates at $4,772 a year or more.
Average premium for full coverage: $1,228
Rate estimates by individual coverage type:
Price estimates include $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Yaris models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $504 for just liability insurance to the much higher price of $2,664 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.
The example below illustrates how your location can change auto insurance prices.
These examples show why everyone should get quotes using their specific location and risk profile, rather than using averaged prices.
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.
More Rate Details
The chart below shows estimated Toyota Yaris insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $716
- Choosing higher $1,000 deductibles can save $140 a year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,228
- Selecting pricier low deductibles for comp and collision coverage will cost an extra $272 each year
- Drivers with serious driving violations could pay around $2,664 or more
- The cost for full coverage for a teenage driver for full coverage can cost $4,772 each year
Insurance rates for a Toyota Yaris can also vary considerably based on your driver profile, the trim level of your Yaris, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,700 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 $810 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,750 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,110 | -$118 | -9.6% |
| Alaska | $940 | -$288 | -23.5% |
| Arizona | $1,018 | -$210 | -17.1% |
| Arkansas | $1,228 | -$0 | 0.0% |
| California | $1,398 | $170 | 13.8% |
| Colorado | $1,172 | -$56 | -4.6% |
| Connecticut | $1,262 | $34 | 2.8% |
| Delaware | $1,388 | $160 | 13.0% |
| Florida | $1,536 | $308 | 25.1% |
| Georgia | $1,132 | -$96 | -7.8% |
| Hawaii | $880 | -$348 | -28.3% |
| Idaho | $830 | -$398 | -32.4% |
| Illinois | $914 | -$314 | -25.6% |
| Indiana | $924 | -$304 | -24.8% |
| Iowa | $826 | -$402 | -32.7% |
| Kansas | $1,166 | -$62 | -5.0% |
| Kentucky | $1,674 | $446 | 36.3% |
| Louisiana | $1,816 | $588 | 47.9% |
| Maine | $756 | -$472 | -38.4% |
| Maryland | $1,012 | -$216 | -17.6% |
| Massachusetts | $982 | -$246 | -20.0% |
| Michigan | $2,132 | $904 | 73.6% |
| Minnesota | $1,026 | -$202 | -16.4% |
| Mississippi | $1,468 | $240 | 19.5% |
| Missouri | $1,088 | -$140 | -11.4% |
| Montana | $1,318 | $90 | 7.3% |
| Nebraska | $968 | -$260 | -21.2% |
| Nevada | $1,472 | $244 | 19.9% |
| New Hampshire | $884 | -$344 | -28.0% |
| New Jersey | $1,370 | $142 | 11.6% |
| New Mexico | $1,086 | -$142 | -11.6% |
| New York | $1,290 | $62 | 5.0% |
| North Carolina | $708 | -$520 | -42.3% |
| North Dakota | $1,006 | -$222 | -18.1% |
| Ohio | $848 | -$380 | -30.9% |
| Oklahoma | $1,260 | $32 | 2.6% |
| Oregon | $1,124 | -$104 | -8.5% |
| Pennsylvania | $1,172 | -$56 | -4.6% |
| Rhode Island | $1,636 | $408 | 33.2% |
| South Carolina | $1,110 | -$118 | -9.6% |
| South Dakota | $1,036 | -$192 | -15.6% |
| Tennessee | $1,074 | -$154 | -12.5% |
| Texas | $1,480 | $252 | 20.5% |
| Utah | $908 | -$320 | -26.1% |
| Vermont | $840 | -$388 | -31.6% |
| Virginia | $734 | -$494 | -40.2% |
| Washington | $948 | -$280 | -22.8% |
| West Virginia | $1,124 | -$104 | -8.5% |
| Wisconsin | $848 | -$380 | -30.9% |
| Wyoming | $1,094 | -$134 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $420 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 additional per year, depending on your age. Toyota Yaris insurance for high-risk drivers ranges around 44% to 136% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, and rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Yaris 2-Dr Hatchback | $1,270 | $106 |
| Toyota Yaris 4-Dr Hatchback | $1,216 | $101 |
| Toyota Yaris 4-Dr Sedan | $1,216 | $101 |
| Toyota Yaris S 2-Dr Hatchback | $1,308 | $109 |
| Toyota Yaris S 4-Dr Hatchback | $1,252 | $104 |
| Toyota Yaris S 4-Dr Sedan | $1,252 | $104 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota Yaris | $240 | $446 | $430 | $1,274 |
| 2019 Toyota Yaris | $226 | $430 | $442 | $1,256 |
| 2018 Toyota Yaris | $218 | $400 | $452 | $1,228 |
| 2017 Toyota Yaris | $208 | $376 | $456 | $1,198 |
| 2016 Toyota Yaris | $200 | $338 | $460 | $1,156 |
| 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 Find Cheaper Toyota Yaris Insurance
Saving money on auto insurance takes not taking risks behind the wheel, having a good credit history, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to shop around once a year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.
The following is a condensed summary of the data that was illustrated above.
- Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
- Consumers who purchase higher liability limits will pay approximately $500 each year to raise limits from a minimum limit to 250/500 limits
- Teens are the costliest to insure, costing as high as $398 per month including comprehensive and collision insurance
- Drivers with multiple at-fault accidents may pay on average $1,440 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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,772 |
| 20 | $2,844 |
| 30 | $1,264 |
| 40 | $1,228 |
| 50 | $1,124 |
| 60 | $1,102 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,500 |
| $250 | $1,374 |
| $500 | $1,228 |
| $1,000 | $1,088 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,228 |
| 50/100 | $1,342 |
| 100/300 | $1,455 |
| 250/500 | $1,749 |
| 100 CSL | $1,388 |
| 300 CSL | $1,636 |
| 500 CSL | $1,817 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,778 |
| 20 | $4,534 |
| 30 | $2,704 |
| 40 | $2,664 |
| 50 | $2,548 |
| 60 | $2,524 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $52 |
| Advance Quote | $59 |
| Online Quote | $86 |
| Total Discounts | $512 |
Discounts are estimated and may not be available from every company or in every state.
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