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.

Average insurance rates for a Toyota Yaris are $1,198 a year for full coverage insurance. Comprehensive insurance costs around $208, collision insurance costs $376, and liability insurance costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs $2,604 or more. Teen drivers receive the highest rates at up to $4,690 a year.

Average premium for full coverage: $1,198

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Yaris trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $702
• Using higher $1,000 deductibles will save about $132 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,198
• Choosing more expensive low deductibles for physical damage coverage will cost an additional $260 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,604
• The cost that insures a teen driver with full coverage can be $4,690 or more

View Chart as Image

Insurance rates for a Toyota Yaris can also vary considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age

Where you live has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,620 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $400 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

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 Best Toyota Yaris Insurance

Saving money on Toyota Yaris insurance requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Shop around at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief recap of the car insurance concepts covered above.

• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,410 more every year than a safer driver
• It is possible to save up to $140 per year just by shopping early and online
• Increasing deductibles can save approximately $400 each year
• Drivers who may need an increased level of liability coverage will pay about $500 annually to increase from a minimum limit to the 250/500 level

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.