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 insurance rates for a Toyota Yaris are $1,198 a year for full coverage insurance. Comprehensive insurance costs approximately $208 a year, collision costs $376, and liability coverage costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing $2,604 or more. Teens pay the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,198

Price estimates by individual coverage:

Prices include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Yaris trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above illustrate why it is important to compare prices using their specific location, rather than using averaged prices.

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

Additional Rate Details

The chart below illustrates estimated Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $702
• Using higher $1,000 deductibles will save $1,066 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,198
• Selecting low $100 deductibles for physical damage coverage will cost an additional $260 each year
• Higher-risk drivers with serious driving violations could pay around $2,604 or more
• The price that insures a teenage driver can cost $4,690 or more

View Chart as Image

Car insurance prices for a Toyota Yaris are also quite variable based on the trim level of your Yaris, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age

The state you live in has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,620 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $400 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Each insurance company calculates prices differently, so rate quotes may be quite different.

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

Getting lower rates on auto insurance requires not taking risks behind the wheel, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare rates every time your policy renews by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The following is a quick rundown of the information covered in the above illustrations.

• It is possible to save around $140 per year simply by quoting early and online
• Teens pay the highest auto insurance prices, as much as $391 a month if full coverage is purchased
• Increasing physical damage deductibles can save approximately $400 each year
• Drivers with reckless driving or DUI convictions could be charged and average of $1,410 more per year for Yaris insurance
• Consumers who purchase higher liability limits will pay approximately $500 annually to increase from a low limit to the 250/500 level

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.