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

Average premium for full coverage: $1,156

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Yaris trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities. The diagram below illustrates how where you live affects auto insurance rates.

These examples illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $682
• Drivers who choose higher $1,000 deductibles will pay about $1,034 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,156
• Buying low $100 deductibles for comprehensive and collision insurance will cost $1,392
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,502
• The cost with full coverage for a teen driver can be $4,546 a year

View Chart as Image

Insurance rates for a Toyota Yaris can also vary considerably based on the trim level of your Yaris, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $360 every year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or 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 Buy the Best Toyota Yaris Insurance

Saving money on car insurance not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop every couple of years by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a brief recap of the material that was touched on in the above illustrations.

• Policyholders who may need higher liability limits will pay around $510 annually to go from a minimum limit to higher 250/500 limits
• Teenagers are charged the highest rates, costing up to $379 per month if they have full coverage
• Higher risk drivers who tend to receive serious violations pay on average $1,350 more every year for car insurance
• Increasing 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.