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.

U.S. average insurance rates for a Toyota Yaris are $1,198 a year with full coverage. Comprehensive costs on average $208 each year, collision costs $376, and liability insurance costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing around $2,604. Teens pay the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,198

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Yaris models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects car insurance rates.

The ranges above demonstrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Toyota Yaris insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $702
• Drivers who choose higher $1,000 deductibles will pay around $132 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,198
• Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,458
• High risk drivers with serious driving violations could pay upwards of $2,604 or more
• The price for full coverage for a teen driver may cost $4,690 a year

View Chart as Image

Auto insurance prices for a Toyota Yaris are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,620 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $400 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company calculates prices differently, and quoted prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Toyota Yaris Insurance

Getting lower rates on Toyota Yaris insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at every other renewal by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

Below you'll find a brief recap of the concepts that were raised in the charts and tables above.

• High-risk drivers who tend to receive serious violations may be required to pay an average of $1,410 more each year than a low-risk driver
• Youthful drivers are charged the highest prices, costing up to $391 a month if they have full coverage
• You may be able to save as much as $140 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $400 each year
• You may be able to save as much as $140 per year simply by quoting online in advance

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.