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 auto insurance rates for a Toyota Yaris are $1,156 annually with full coverage. Comprehensive insurance costs approximately $200, collision costs $338, and liability coverage costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing $2,502 or more. 16-year-old drivers pay the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Yaris trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have fewer collision claims than congested cities.

The price range example below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using rate averages.

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

Additional Charts and Tables

The chart below details estimated Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $682
• Drivers who choose higher $1,000 deductibles will pay $122 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,156
• Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $236 each year
• High-risk insureds with multiple tickets or accidents could pay around $2,502 or more
• The price with full coverage for a teenage driver with full coverage can cost $4,546 a year

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance can cost around 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $360 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Every company utilizes a different rate formula, so the prices may be quite different between companies.

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 Buy Cheap Toyota Yaris Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief summary of the coverage data illustrated above.

• You may be able to save around $130 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $350 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $379 a month including comprehensive and collision insurance
• Drivers that tend to have accidents or serious violations may pay on average $1,350 more per year than a driver with a clean driving record

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.