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 rates for a Toyota Yaris are $1,198 a year with full coverage. Comprehensive costs an estimated $208, collision insurance costs $376, and liability costs around $456. A liability-only policy costs as low 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 broken down by type of coverage:

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Yaris models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities. The example below illustrates how location helps determine insurance prices.

These rate differences demonstrate why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below details average Toyota Yaris insurance rates for other coverage scenarios.

• The best discount rate is $702
• Using higher $1,000 deductibles will save approximately $132 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,198
• Using pricier low deductibles for physical damage coverage will increase the cost to $1,458
• High-risk insureds who are prone to accidents and violations could pay up to $2,604
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost as much as $4,690 or more

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see prices as low as $860 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,620 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $400 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,400 to $2,000 in extra premium annually, depending on your age. Toyota Yaris insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

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 Right Toyota Yaris Insurance

Finding better rates on insurance for a Toyota Yaris requires being a low-risk driver, having good credit, being claim-free, and consideration of higher deductibles. Invest time comparing rates every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a quick rundown of the information covered in the charts and tables above.

• You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
• Teen drivers are the costliest to insure, possibly costing $391 per month if they have full coverage
• Increasing policy deductibles can save around $400 each year
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,410 more annually to insure their Yaris
• Insureds who want more liability coverage will pay an extra $500 every year to increase from 30/60 bodily injury limits to 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.