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 $1,198 annually including full coverage. Comprehensive insurance costs an estimated $208 each year, collision costs $376, and liability coverage is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $2,604 or more. Teenage drivers pay the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,198

Price estimates broken down by individual coverage:

Estimates include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Yaris models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

The ranges above highlight why all drivers should get quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Toyota Yaris insurance rates for other coverage scenarios.

• The best discount rate is $702
• Choosing higher $1,000 deductibles can save approximately $132 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,198
• Using low deductibles for comp and collision coverage costs an additional $260 each year
• Drivers who are prone to accidents and violations could pay up to $2,604 or more
• The price with full coverage for a teenage driver can cost as much as $4,690 each year

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 liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $400 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,710 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Each auto insurer 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 Low Cost Toyota Yaris Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a review of the data touched on in this article.

• Consumers who want higher liability limits will pay an extra $500 per year to raise limits from a low limit to higher 250/500 limits
• You may be able to save approximately $140 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $400 each year
• Teens are the costliest to insure, possibly costing $391 a month if full coverage is included

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.