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 insurance prices for a Toyota Yaris are $1,198 every 12 months including full coverage. Comprehensive costs on average $208, collision insurance costs $376, and liability costs $456. A liability-only policy costs as little as $508 a year, and high-risk insurance costs around $2,604. Teenage drivers pay the most at up to $4,690 a year.

Average premium for full coverage: $1,198

Premium estimates by type of coverage:

Full coverage includes $500 deductibles, liability limits of 30/60, and includes uninsured motorist and medical 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

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on car insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $702
• Drivers who choose higher $1,000 deductibles will pay around $132 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,198
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,458
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,604
• An auto insurance policy to insure a teen driver with full coverage may cost $4,690 a year

View Chart as Image

Auto insurance prices for a Toyota Yaris also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Yaris.

Using high physical damage deductibles could save up to $400 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,710 on average in Michigan, New York, and Louisiana.

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 Shop for More Affordable Toyota Yaris Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit score, refrain from filing small claims, and deciding if full coverage is necessary. Take the time to compare rates once a year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a summary of the data that was covered in the above illustrations.

• You may be able to save as much as $140 per year just by shopping early and online
• Policyholders who require higher liability limits will pay an extra $500 per year to go from 30/60 bodily injury limits to a 250/500 level
• Teens are charged the highest prices, with the cost nearing $391 per month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,410 more each year for Yaris 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.