Toyota Yaris Insurance Rates

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Merriya Valleri

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Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

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Ted Patestos

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Theodore (Ted) Patestos is a seasoned innovator and policyholder advocate in the public adjusting industry. With a career dedicated to turning data into actionable insights, Ted has championed tools and strategies that improve transparency, efficiency, and outcomes for both consumers and adjusters. He developed Claim Machine, a platform that uses weather data to help public adjusters, contractors,...

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UPDATED: Jul 1, 2025

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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 prices for a Toyota Yaris are $1,198 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $208, collision insurance costs $376, and liability coverage is estimated at $456. A policy with just liability insurance costs approximately $508 a year, and coverage for high-risk drivers costs $2,604 or more. 16-year-old drivers receive the highest rates at up to $4,690 a year.

Average premium for full coverage: $1,198

Rate estimates by individual coverage type:

Comprehensive $208
Collision $376
Liability $456

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Yaris trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the cheapest price of $508 for basic liability insurance to a much higher rate of $2,604 for a high-risk insurance policy.

Liability Only $508
Full Coverage $1,198
High Risk $2,604

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than congested cities. The price range example below illustrates how location helps determine auto insurance prices.

Rural Areas $899
Small Cities $1,258
Large Cities $1,617

These examples illustrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

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

  • The best full coverage rate is $702
  • Choosing higher $1,000 deductibles can save $132 each year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,198
  • Buying more expensive low deductibles for comp and collision coverage costs an extra $260 each year
  • Drivers with multiple tickets or accidents could pay around $2,604
  • The cost to insure a teenage driver with full coverage can cost $4,690 each year

View Chart as Image

Toyota Yaris insurance cost comparison chart
Column chart showing Toyota Yaris insurance prices range from $702 to $4,690 for full coverage

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

Opting for high physical damage deductibles can save as much as $400 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance ranges around 43% to 130% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,620 on average in Florida, New York, and Michigan.

Toyota Yaris Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,084 -$114 -9.5%
Alaska $920 -$278 -23.2%
Arizona $996 -$202 -16.9%
Arkansas $1,198 -$0 0.0%
California $1,368 $170 14.2%
Colorado $1,148 -$50 -4.2%
Connecticut $1,232 $34 2.8%
Delaware $1,358 $160 13.4%
Florida $1,500 $302 25.2%
Georgia $1,106 -$92 -7.7%
Hawaii $862 -$336 -28.0%
Idaho $810 -$388 -32.4%
Illinois $894 -$304 -25.4%
Indiana $904 -$294 -24.5%
Iowa $808 -$390 -32.6%
Kansas $1,140 -$58 -4.8%
Kentucky $1,636 $438 36.6%
Louisiana $1,776 $578 48.2%
Maine $740 -$458 -38.2%
Maryland $988 -$210 -17.5%
Massachusetts $958 -$240 -20.0%
Michigan $2,084 $886 74.0%
Minnesota $1,004 -$194 -16.2%
Mississippi $1,436 $238 19.9%
Missouri $1,064 -$134 -11.2%
Montana $1,288 $90 7.5%
Nebraska $944 -$254 -21.2%
Nevada $1,438 $240 20.0%
New Hampshire $864 -$334 -27.9%
New Jersey $1,340 $142 11.9%
New Mexico $1,062 -$136 -11.4%
New York $1,264 $66 5.5%
North Carolina $690 -$508 -42.4%
North Dakota $980 -$218 -18.2%
Ohio $828 -$370 -30.9%
Oklahoma $1,232 $34 2.8%
Oregon $1,098 -$100 -8.3%
Pennsylvania $1,144 -$54 -4.5%
Rhode Island $1,600 $402 33.6%
South Carolina $1,086 -$112 -9.3%
South Dakota $1,012 -$186 -15.5%
Tennessee $1,050 -$148 -12.4%
Texas $1,446 $248 20.7%
Utah $888 -$310 -25.9%
Vermont $822 -$376 -31.4%
Virginia $720 -$478 -39.9%
Washington $928 -$270 -22.5%
West Virginia $1,100 -$98 -8.2%
Wisconsin $830 -$368 -30.7%
Wyoming $1,070 -$128 -10.7%

View Chart as Image

Toyota Yaris insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Toyota Yaris Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Yaris 2-Dr Hatchback $1,244 $104
Toyota Yaris 4-Dr Hatchback $1,188 $99
Toyota Yaris 4-Dr Sedan $1,188 $99
Toyota Yaris S 2-Dr Hatchback $1,278 $107
Toyota Yaris S 4-Dr Hatchback $1,222 $102
Toyota Yaris S 4-Dr Sedan $1,222 $102

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.

Toyota Yaris Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Yaris $226 $430 $442 $1,256
2019 Toyota Yaris $218 $400 $452 $1,228
2018 Toyota Yaris $208 $376 $456 $1,198
2017 Toyota Yaris $200 $338 $460 $1,156
2016 Toyota Yaris $188 $310 $460 $1,116
2014 Toyota Yaris $176 $272 $474 $1,080
2013 Toyota Yaris $164 $252 $474 $1,048
2012 Toyota Yaris $158 $228 $478 $1,022
2009 Toyota Yaris $134 $170 $468 $930
2008 Toyota Yaris $132 $166 $460 $916
2007 Toyota Yaris $130 $160 $452 $900

Rates are averaged for all Toyota Yaris models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheaper Toyota Yaris Insurance

Saving money on auto insurance takes being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates at least every other year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below is a condensed summary of the car insurance concepts covered in the charts and tables above.

  • Drivers with multiple at-fault accidents may have to pay on average $1,410 more per year for auto insurance
  • It is possible to save around $140 per year just by shopping early and online
  • Increasing deductibles could save as much as $400 each year
  • Consumers who purchase higher levels of liability will pay around $500 annually to raise limits from a minimum limit to a 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. 

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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.

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.

Rates by Driver Age

Toyota Yaris Insurance Rates by Driver Age
Driver Age Premium
16 $4,690
20 $2,778
30 $1,236
40 $1,198
50 $1,098
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

Toyota Yaris Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,336
$500 $1,198
$1,000 $1,066

Full coverage, driver age 40

Rates by Liability Limit

Toyota Yaris Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
50/100 $1,313
100/300 $1,427
250/500 $1,724
100 CSL $1,359
300 CSL $1,610
500 CSL $1,792

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Yaris Insurance Rates for High Risk Drivers
Age Premium
16 $6,654
20 $4,430
30 $2,640
40 $2,604
50 $2,488
60 $2,466

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $62
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $83
Total Discounts $496
Rate after discounts $702

Discounts are estimated and may not be available from every company or in every state.

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