Toyota Yaris Insurance Rates
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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.
Estimated insurance rates for a Toyota Yaris are $1,228 a year including full coverage. Comprehensive costs around $218, collision costs $400, and liability insurance costs around $452. A policy with only liability insurance costs as low as $504 a year, with a high-risk policy costing around $2,664. Teen drivers pay the most at $4,772 a year or more.
Average premium for full coverage: $1,228
Premium estimates for type of coverage:
Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Yaris models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Toyota Yaris go from the low end price of $504 for liability-only coverage to the much higher price of $2,664 for a high-risk driver policy.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences highlight why everyone should compare prices for a specific zip code, rather than relying on price 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 breaks down estimated Toyota Yaris insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $716
- Using higher $1,000 deductibles will save about $140 every year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,228
- Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,500
- Drivers with multiple violations and an at-fault accident could pay at least $2,664 or more
- An auto insurance policy that insures a teen driver for full coverage can be $4,772 or more
Car insurance prices for a Toyota Yaris also have a wide range based on the model of your Yaris, your driving record and age, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are likely paying at least $1,500 to $2,100 extra annually, depending on your age. Toyota Yaris insurance for high-risk drivers can be anywhere from 44% to 136% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,700 a year. View Rates by Age
Where you choose to live has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,750 on average in Michigan, New York, and Louisiana.
| 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 high deductibles could cut prices by as much as $420 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out your exact price is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.
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 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Toyota Yaris | $218 | $400 | $452 | $1,228 |
| 2014 Toyota Yaris | $188 | $310 | $460 | $1,116 |
| 2013 Toyota Yaris | $180 | $292 | $464 | $1,094 |
| 2012 Toyota Yaris | $176 | $272 | $474 | $1,080 |
| 2009 Toyota Yaris | $148 | $210 | $474 | $990 |
| 2008 Toyota Yaris | $140 | $190 | $474 | $962 |
| 2007 Toyota Yaris | $134 | $170 | $468 | $930 |
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 the Best Toyota Yaris Insurance
Finding better rates on Toyota Yaris insurance requires being a low-risk driver, having a positive credit history, refrain from filing small claims, and qualifying for all possible discounts. Shop around every time your policy renews by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The items below are a brief recap of the information covered above.
- You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
- Teen drivers are the costliest to insure, with the cost nearing $398 per month if full coverage is purchased
- Increasing policy deductibles can save approximately $400 each year
- High-risk drivers who tend to receive serious violations may have to pay on average $1,440 more every year to insure their Yaris
- Drivers who may need more liability coverage will pay about $500 per year to increase from 30/60 bodily injury limits 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.
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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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