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.

The average insurance rates for a Toyota Yaris are $1,198 a year with full coverage. Comprehensive insurance costs an estimated $208, collision insurance costs $376, and liability is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs $2,604 or more. Teenage drivers cost the most to insure at up to $4,690 a year.

Average premium for full coverage: $1,198

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $702
• Choosing higher $1,000 deductibles can save approximately $132 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,198
• Using pricier low deductibles for comp and collision coverage will cost an extra $260 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,604
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost as much as $4,690 each year

View Chart as Image

Car insurance rates for a Toyota Yaris also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Yaris insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,620 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $400 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,400 to $2,000 extra every year, depending on your age. Toyota Yaris insurance for high-risk drivers ranges from 43% to 130% more than a normal policy. View High Risk Driver Rates

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 Affordable Toyota Yaris Insurance

Finding cheaper rates on insurance for a Toyota Yaris takes being a low-risk driver, having above-average credit, not filing small claims, and possibly higher deductibles. Make time to compare rates every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief review of the ideas that were touched on in this article.

• Teen drivers have the highest car insurance rates, as much as $391 each month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,410 more annually to insure their Yaris
• Increasing comprehensive and collision deductibles can save around $400 each year
• You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date

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.