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 approximately $208 each year, collision costs $376, and liability insurance costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing around $2,604. Teen drivers pay the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,198

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Yaris models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates how your location can change auto insurance prices.

The ranges above illustrate why all drivers should compare prices using their specific location, rather than relying on price averages.

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

Additional Charts and Tables

The chart below illustrates estimated Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $702
• Using higher $1,000 deductibles will save $132 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,198
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,458
• Drivers with multiple violations and an at-fault accident could pay around $2,604 or more
• The price that insures a teen driver can cost $4,690 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 130% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles could cut prices by as much as $400 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes may be quite different.

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

Getting lower rates on Toyota Yaris insurance requires avoiding accidents and claims, having a positive credit history, not filing small claims, and avoiding coverage lapses. Shop around at least once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The points below are a brief recap of the primary concepts that were illustrated above.

• It is possible to save around $140 per year simply by quoting online in advance
• High-risk drivers who tend to receive serious violations could be charged and average of $1,410 more per year to insure a Toyota Yaris
• Increasing physical damage deductibles can save approximately $400 each year
• Drivers under the age of 20 pay the highest auto insurance prices, as much as $391 a month if full coverage is purchased

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.