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 prices for a Toyota Yaris are $1,156 every 12 months for full coverage insurance. Comprehensive insurance costs around $200 each year, collision insurance costs $338, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $2,502 or more. Teens pay the highest rates at up to $4,546 a year.

Average premium for full coverage: $1,156

Price estimates for individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Yaris models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance rates.

The ranges above illustrate why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Toyota Yaris insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $682
• Using higher $1,000 deductibles will save about $122 each year
• The average price for the average middle-age driver using $500 deductibles is $1,156
• Selecting low deductibles for physical damage coverage costs an extra $236 annually
• High-risk insureds with serious driving violations could pay at least $2,502
• The price to insure a 16-year-old driver can be $4,546 or more

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $360 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can be from 42% to 135% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see prices as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,560 on average in Michigan, New York, and Florida.

View Chart as Image

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 Shop for Cheap Toyota Yaris Insurance

Getting lower rates on insurance for a Toyota Yaris requires avoiding accidents and claims, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the material that was covered in the above illustrations.

• Insureds who may need increased liability limits will pay approximately $510 annually to increase from a low limit to a 250/500 level
• Drivers under the age of 20 are charged the highest prices, as much as $379 a month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,350 more every year to insure a Toyota Yaris
• Increasing physical damage deductibles could save as much as $350 each year

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.