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 $1,156 a year for full coverage. Comprehensive costs approximately $200 each year, collision costs $338, and liability costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,502. Teenage drivers pay the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Price estimates by individual coverage:

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Yaris models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

The ranges above show why all drivers should compare prices using their specific location, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $682
• Using higher $1,000 deductibles will save $122 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,156
• Using low deductibles for physical damage coverage bumps up the cost to $1,392
• Drivers who are prone to accidents and violations could pay around $2,502 or more
• The price that insures a teen driver can cost $4,546 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, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,500 a year. View Rates by Age

The state you live in has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see prices as low as $760 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,650 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $360 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, 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 Cheaper Toyota Yaris Insurance

Getting lower rates on car insurance requires being a low-risk driver, having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Compare prices every couple of years by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The items below are a condensed summary of the material that was touched on in the above illustrations.

• Policyholders who purchase more liability coverage will pay an extra $510 each year to increase from a low limit to the 250/500 level
• Teen drivers pay the highest auto insurance prices, with premiums as much as $379 a month if full coverage is purchased
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,350 more per year to insure their Yaris
• Increasing physical damage deductibles can save approximately $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.