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 for full coverage. Comprehensive insurance costs on average $200 a year, collision insurance costs $338, and liability insurance is estimated at $460. A policy with just liability insurance costs approximately $510 a year, and coverage for high-risk drivers costs $2,502 or more. Teen drivers pay the highest rates at up to $4,546 a year.

Average premium for full coverage: $1,156

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Yaris trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas have fewer accident claims than larger metro areas. The diagram below illustrates how rural and urban location affects car insurance rates.

The ranges above show why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below shows average Toyota Yaris insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $682
• Choosing higher $1,000 deductibles can save around $1,034 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,156
• Choosing low $100 deductibles for comp and collision coverage costs an additional $236 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,502
• The price with full coverage for a teen driver may cost $4,546 each year

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $360 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more per 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 $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,650 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 More Affordable Toyota Yaris Insurance

Getting lower rates on Toyota Yaris insurance takes being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and determing if full coverage is necessary. Set aside time to shop around every couple of years by getting price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a summary of the material that was raised in the charts and tables above.

• Drivers who require more liability coverage will pay about $510 each year to raise limits from a low limit to higher 250/500 limits
• Teen drivers pay the highest prices, with premiums as much as $379 a month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,350 more each year to insure their Yaris
• Increasing physical damage deductibles could save up to $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.