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

Average premium for full coverage: $1,156

Price estimates for individual coverage:

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

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities.

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

The ranges above highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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 additional coverage choices and driver risks.

• The best discount rate is $682
• Raising to $1,000 deductibles will save about $122 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,156
• Using low deductibles costs an additional $236 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,502 or more
• The price with full coverage for a teen driver can be $4,546

View Chart as Image

Auto insurance prices for a Toyota Yaris are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,400 to $1,900 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 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 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite 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

Getting lower rates on Toyota Yaris insurance consists of being a low-risk driver, having above-average credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief summary of the car insurance concepts presented in the illustrations above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,350 more every year to insure their Yaris
• You may be able to save up to $130 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $350 each year
• Drivers who may need more liability coverage will pay an extra $510 per year to raise from a low limit to higher 250/500 limits

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.