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 including full coverage. Comprehensive insurance costs on average $200 each year, collision costs $338, and liability insurance is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing $2,502 or more. 16-year-old drivers receive the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Rate estimates by individual coverage type:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Yaris models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how geographic area affects car insurance rates.

These examples highlight why all drivers should get quotes based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below breaks down estimated Toyota Yaris insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $682
• Choosing higher $1,000 deductibles can save around $122 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,156
• Buying low deductibles for comp and collision coverage costs an additional $236 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,502 or more
• The cost with full coverage for a teen driver may cost $4,546 each year

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $360 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,650 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates can be significantly 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 Cheaper Toyota Yaris Insurance

Saving money on Toyota Yaris insurance takes being a low-risk driver, having a good credit history, not filing small claims, and bundling your home and auto policies. Invest the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a condensed summary of the data presented in the illustrations above.

• Drivers who require more liability coverage will pay around $510 per year to raise limits from a minimum limit to higher 250/500 limits
• You may be able to save as much as $130 per year simply by quoting online in advance
• Increasing deductibles could save up to $350 each year
• Teen drivers pay the highest rates, as much as $379 per month including comprehensive and collision insurance

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.