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.

Average insurance rates for a Toyota Yaris are $1,156 a year for full coverage. Comprehensive costs on average $200, collision costs $338, and liability coverage costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,502. Teenage drivers receive the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Yaris models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why everyone should compare rates based on a specific location and risk profile, rather than 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 different risk profiles and scenarios.

• The best discount rate is $682
• Drivers who choose higher $1,000 deductibles will pay around $122 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,156
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,392
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,502 or more
• The cost for full coverage for a teenage driver for full coverage may cost $4,546 a year

View Chart as Image

Insurance rates for a Toyota Yaris can also vary considerably based on your driver profile, the trim level of your Yaris, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $4,500 a year. View Rates by Age

Where you live makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,650 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $360 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 extra per year, depending on your age. Toyota Yaris insurance for high-risk drivers can cost around 42% to 135% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

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 Best Toyota Yaris Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Set aside time to compare rates at every policy renewal by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The points below are a brief recap of the data covered above.

• Consumers who require increased liability limits will pay an extra $510 each year to go from a minimum limit to 250/500 limits
• Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $350 each year
• Drivers under the age of 20 pay the highest rates, costing as high as $379 per month for full coverage

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.