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 $1,198 a year for full coverage insurance. Comprehensive costs an estimated $208, collision costs $376, and liability is $456. A policy with just liability insurance costs around $508 a year, with coverage for high-risk drivers costing around $2,604. Teenage drivers pay the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,198

Price estimates broken down by individual coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all Yaris models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates the difference location can make on insurance prices.

The ranges above illustrate why everyone should compare rates quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $702
• Raising to $1,000 deductibles will save approximately $132 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,198
• Using pricier low deductibles will increase the cost to $1,458
• Drivers who are prone to accidents and violations could pay up to $2,604 or more
• The price for full coverage for a 16-year-old driver for full coverage can cost as much as $4,690

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

The state you live in also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,620 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $400 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,400 to $2,000 extra each year, depending on your age. Toyota Yaris insurance for high-risk drivers is expensive and can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, 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 Cheap Toyota Yaris Insurance

Getting lower rates on insurance for a Toyota Yaris consists of being a low-risk driver, maintaining good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief summary of the data touched on in this article.

• Insureds who want more liability coverage will pay an extra $500 annually to raise from a low limit to 250/500 limits
• It is possible to save approximately $140 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $400 each year
• Teen drivers are charged the highest prices, as much as $391 a month for full coverage

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.