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.

Average insurance rates for a Toyota Yaris are $1,156 a year with full coverage. Comprehensive costs around $200, collision costs $338, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing around $2,502. Teen drivers receive the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Yaris trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

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

More Rate Details

The chart below details estimated Toyota Yaris insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $682
• Drivers who choose higher $1,000 deductibles will pay about $122 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,156
• Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,392
• Drivers with multiple violations and an at-fault accident could pay at least $2,502 or more
• The cost for full coverage for a 16-year-old driver with full coverage can be $4,546 a year

View Chart as Image

Insurance rates for a Toyota Yaris can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $4,500 a year. View Rates by Age

Where you live makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,560 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could save up to $360 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,400 to $1,900 additional per year, depending on your age. High-risk driver insurance can cost from 42% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to compare rates from multiple companies. Every company uses a different rate calculation, and rates can be significantly different from one company to the next.

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 Find the Best Cheap Toyota Yaris Insurance

Saving money on insurance for a Toyota Yaris not only requires being a good driver, but also having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a quick review of the information presented in the illustrations above.

• You may be able to save up to $130 per year simply by shopping early and online
• Drivers age 16 to 20 are charged the highest rates, with premiums as much as $379 per month including comprehensive and collision insurance
• Increasing deductibles can save around $350 each year
• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,350 more every year than a safer driver
• Insureds who may need an increased level of liability coverage will pay about $510 every year to go from a minimum limit to 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.