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 including full coverage. Comprehensive costs an estimated $208, collision costs $376, and liability is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing around $2,604. Teens cost the most to insure at $4,690 a year or more.

Average premium for full coverage: $1,198

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $702
• Choosing higher $1,000 deductibles can save approximately $132 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,198
• Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,458
• Unlucky drivers with serious driving violations could pay up to $2,604 or more
• Policy cost that insures a teen driver with 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 the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance ranges as much as 43% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records 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 $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,710 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $400 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes will be varied.

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 More Affordable Toyota Yaris Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Compare rates every time your policy renews by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a summary of the information covered above.

• You may be able to save approximately $140 per year simply by shopping early and online
• Teenagers have the highest car insurance rates, with premiums being up to $391 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Higher risk drivers who have multiple accidents or major violations could be charged and average of $1,410 more annually for car insurance
• Policyholders who want higher liability limits will pay approximately $500 per year to raise limits from a 30/60 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.