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.

Estimated auto insurance rates for a Toyota Yaris are $1,156 annually including full coverage. Comprehensive insurance costs an estimated $200, collision costs $338, and liability is $460. A policy with only liability insurance costs around $510 a year, with a high-risk policy costing $2,502 or more. Teenage drivers pay the most at $4,546 a year or more.

Average premium for full coverage: $1,156

Premium estimates broken down by type of coverage:

These estimates include $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $682
• Raising to $1,000 deductibles will save approximately $122 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,156
• Using more expensive low deductibles costs an additional $236 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,502 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,546

View Chart as Image

Car insurance prices for a Toyota Yaris also have a wide range based on the model of your Yaris, your driving characteristics, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,400 to $1,900 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $360 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find prices as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,650 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially 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

Finding better rates on car insurance consists of having a good driving record, having a good credit score, refrain from filing small claims, and not having any coverage lapses. Invest the time to compare rates every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a brief summary of the material that was presented in the illustrations above.

• Policyholders who want increased levels of liability coverage will pay an extra $510 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Drivers age 20 and younger have the highest car insurance prices, with the cost nearing $379 per month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,350 more annually to buy Toyota Yaris insurance
• Increasing policy deductibles could save up to $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.