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 $1,156 a year including full coverage. Comprehensive costs an estimated $200 each year, collision costs $338, and liability insurance costs around $460. A policy with just liability insurance costs as low as $510 a year, with coverage for high-risk drivers costing around $2,502. 16-year-old drivers pay the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Yaris models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than congested cities.

The graphic below illustrates how location helps determine insurance prices.

The ranges above highlight why all drivers should compare prices for a targeted area and risk profile, rather than relying on rate averages.

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

Additional Rate Details

The chart below breaks down estimated Toyota Yaris insurance rates for other coverage scenarios.

• The best full coverage rate is $682
• Using higher $1,000 deductibles will save approximately $122 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,156
• Buying low deductibles for physical damage coverage will increase the cost to $1,392
• Drivers with multiple tickets or accidents could pay up to $2,502 or more
• The price for full coverage for a teen driver can cost as much as $4,546 or more

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on your driving record, the model of your Yaris, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,500 a year. View Rates by Age

The state you live in has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see prices as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,650 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $360 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices may be quite 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 Cheapest Toyota Yaris Insurance

Getting lower rates on Toyota Yaris insurance requires having a decent driving record, maintaining good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates at least every other year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a recap of the car insurance concepts covered in the charts and tables above.

• High-risk drivers that have major violations or accidents may pay on average $1,350 more annually than a driver with a clean driving record
• You may be able to save approximately $130 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $350 each year
• Drivers who want additional liability coverage will pay around $510 per year to increase from a low 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.