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 insurance. Comprehensive costs on average $200, collision costs $338, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers 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:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all Yaris models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. Rural areas tend to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how where you live affects car insurance rates.

These examples illustrate why everyone should compare rates based on a specific location, instead of using average rates.

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

Additional Rate Information

The chart below illustrates 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 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,156
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,392
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,502 or more
• The cost that insures a teen 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 the model of your Yaris, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 additional per year, depending on your age. Toyota Yaris insurance for high-risk drivers can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,500 a year. View Rates by Age

Where you live makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,560 on average in Michigan, New York, and Florida.

View Chart as Image

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

With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, and rates can be significantly 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 More Affordable Toyota Yaris Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a summary of the information touched on in the above illustrations.

• It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Drivers under the age of 20 pay higher rates, costing up to $379 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $350 each year
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,350 more each year to insure a Toyota Yaris
• Policyholders who require increased liability limits will pay an extra $510 annually to go from a minimum 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.