Toyota Yaris Insurance Rates
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Ted Patestos
Licensed Insurance Adjuster
Theodore (Ted) Patestos is a seasoned innovator and policyholder advocate in the public adjusting industry. With a career dedicated to turning data into actionable insights, Ted has championed tools and strategies that improve transparency, efficiency, and outcomes for both consumers and adjusters. He developed Claim Machine, a platform that uses weather data to help public adjusters, contractors,...
Licensed Insurance Adjuster
UPDATED: Jul 1, 2025
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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 $1,198 a year for full coverage insurance. Comprehensive insurance costs an estimated $208 a year, collision insurance costs $376, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs $2,604 or more. 16-year-old drivers pay the most at up to $4,690 a year.
Average premium for full coverage: $1,198
Premium estimates broken down by type of coverage:
Includes $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Yaris trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota Yaris range from the low end price of $508 for just the minimum liability insurance to a high of $2,604 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how your location can change insurance prices.
These rate differences illustrate why it is important to compare rates for a targeted area, instead of using rate 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 Rate Analysis
The chart below illustrates average Toyota Yaris insurance rates for other coverage scenarios.
- The best full coverage rate is $702
- Drivers who choose higher $1,000 deductibles will pay approximately $1,066 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,198
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $260 every year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,604
- An auto insurance policy that insures a teen driver can cost as much as $4,690 a year
Auto insurance prices for a Toyota Yaris also have a wide range based on the trim level of your Yaris, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,400 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age
Where you choose to live makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,620 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,084 | -$114 | -9.5% |
| Alaska | $920 | -$278 | -23.2% |
| Arizona | $996 | -$202 | -16.9% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,368 | $170 | 14.2% |
| Colorado | $1,148 | -$50 | -4.2% |
| Connecticut | $1,232 | $34 | 2.8% |
| Delaware | $1,358 | $160 | 13.4% |
| Florida | $1,500 | $302 | 25.2% |
| Georgia | $1,106 | -$92 | -7.7% |
| Hawaii | $862 | -$336 | -28.0% |
| Idaho | $810 | -$388 | -32.4% |
| Illinois | $894 | -$304 | -25.4% |
| Indiana | $904 | -$294 | -24.5% |
| Iowa | $808 | -$390 | -32.6% |
| Kansas | $1,140 | -$58 | -4.8% |
| Kentucky | $1,636 | $438 | 36.6% |
| Louisiana | $1,776 | $578 | 48.2% |
| Maine | $740 | -$458 | -38.2% |
| Maryland | $988 | -$210 | -17.5% |
| Massachusetts | $958 | -$240 | -20.0% |
| Michigan | $2,084 | $886 | 74.0% |
| Minnesota | $1,004 | -$194 | -16.2% |
| Mississippi | $1,436 | $238 | 19.9% |
| Missouri | $1,064 | -$134 | -11.2% |
| Montana | $1,288 | $90 | 7.5% |
| Nebraska | $944 | -$254 | -21.2% |
| Nevada | $1,438 | $240 | 20.0% |
| New Hampshire | $864 | -$334 | -27.9% |
| New Jersey | $1,340 | $142 | 11.9% |
| New Mexico | $1,062 | -$136 | -11.4% |
| New York | $1,264 | $66 | 5.5% |
| North Carolina | $690 | -$508 | -42.4% |
| North Dakota | $980 | -$218 | -18.2% |
| Ohio | $828 | -$370 | -30.9% |
| Oklahoma | $1,232 | $34 | 2.8% |
| Oregon | $1,098 | -$100 | -8.3% |
| Pennsylvania | $1,144 | -$54 | -4.5% |
| Rhode Island | $1,600 | $402 | 33.6% |
| South Carolina | $1,086 | -$112 | -9.3% |
| South Dakota | $1,012 | -$186 | -15.5% |
| Tennessee | $1,050 | -$148 | -12.4% |
| Texas | $1,446 | $248 | 20.7% |
| Utah | $888 | -$310 | -25.9% |
| Vermont | $822 | -$376 | -31.4% |
| Virginia | $720 | -$478 | -39.9% |
| Washington | $928 | -$270 | -22.5% |
| West Virginia | $1,100 | -$98 | -8.2% |
| Wisconsin | $830 | -$368 | -30.7% |
| Wyoming | $1,070 | -$128 | -10.7% |
Opting for high physical damage deductibles could save up to $400 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Yaris 2-Dr Hatchback | $1,244 | $104 |
| Toyota Yaris 4-Dr Hatchback | $1,188 | $99 |
| Toyota Yaris 4-Dr Sedan | $1,188 | $99 |
| Toyota Yaris S 2-Dr Hatchback | $1,278 | $107 |
| Toyota Yaris S 4-Dr Hatchback | $1,222 | $102 |
| Toyota Yaris S 4-Dr Sedan | $1,222 | $102 |
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 | $226 | $430 | $442 | $1,256 |
| 2019 Toyota Yaris | $218 | $400 | $452 | $1,228 |
| 2018 Toyota Yaris | $208 | $376 | $456 | $1,198 |
| 2017 Toyota Yaris | $200 | $338 | $460 | $1,156 |
| 2016 Toyota Yaris | $188 | $310 | $460 | $1,116 |
| 2014 Toyota Yaris | $176 | $272 | $474 | $1,080 |
| 2013 Toyota Yaris | $164 | $252 | $474 | $1,048 |
| 2012 Toyota Yaris | $158 | $228 | $478 | $1,022 |
| 2009 Toyota Yaris | $134 | $170 | $468 | $930 |
| 2008 Toyota Yaris | $132 | $166 | $460 | $916 |
| 2007 Toyota Yaris | $130 | $160 | $452 | $900 |
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 Cheapest Toyota Yaris Insurance
Finding better rates on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Comparison shop every year by getting quotes from direct insurance companies, and also from local insurance agencies.
Below you'll find a recap of the coverage data illustrated above.
- It is possible to save approximately $140 per year just by quoting early and online
- Increasing policy deductibles can save approximately $400 each year
- Youthful drivers are the costliest to insure, with premiums being up to $391 per month if the policy includes full coverage
- Higher risk drivers that have major violations or accidents may have to pay on average $1,410 more annually than a low-risk driver
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 | $4,690 |
| 20 | $2,778 |
| 30 | $1,236 |
| 40 | $1,198 |
| 50 | $1,098 |
| 60 | $1,078 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,458 |
| $250 | $1,336 |
| $500 | $1,198 |
| $1,000 | $1,066 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,313 |
| 100/300 | $1,427 |
| 250/500 | $1,724 |
| 100 CSL | $1,359 |
| 300 CSL | $1,610 |
| 500 CSL | $1,792 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,654 |
| 20 | $4,430 |
| 30 | $2,640 |
| 40 | $2,604 |
| 50 | $2,488 |
| 60 | $2,466 |
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 | $62 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $83 |
| Total Discounts | $496 |
Discounts are estimated and may not be available from every company or in every state.
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