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 with full coverage. Comprehensive insurance costs an estimated $200 a year, collision costs $338, and liability costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $2,502 or more. Teen drivers pay the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Price estimates broken down by individual coverage:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Yaris trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. More rural locations have fewer collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $682
• Using higher $1,000 deductibles will save approximately $1,034 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,156
• Choosing low $100 deductibles for physical damage coverage costs an additional $236 every year
• Drivers with multiple violations and an at-fault accident could pay up to $2,502 or more
• The price with full coverage for a teen driver can cost as much as $4,546 or more

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 record, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $360 every year, while buying higher liability limits will increase premiums. Moving 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 has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see prices as low as $830 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,560 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, 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 car insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the data that was raised in the charts and tables above.

• You may be able to save approximately $130 per year simply by quoting early and online
• Policyholders who want higher liability limits will pay about $510 every year to increase from a low limit to higher 250/500 limits
• Teenagers are the costliest to insure, costing up to $379 a month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,350 more annually for car 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.