Toyota Yaris Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

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

Average premium for full coverage: $1,198

Price estimates by individual coverage:

Comprehensive $208
Collision $376
Liability $456

Includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Yaris models.

Price Range from Low to High

For a driver around age 40, Toyota Yaris insurance prices go from the low end price of $508 for just the minimum liability insurance to a high rate of $2,604 for high-risk insurance.

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

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

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

The ranges above show why all drivers should compare prices based on a specific location, instead of using price 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.

Additional Rate Analysis

The chart below shows estimated Toyota Yaris insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $702
  • Using higher $1,000 deductibles will save around $132 a year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,198
  • Choosing low deductibles for physical damage coverage will cost an additional $260 every year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,604 or more
  • The price that insures a teen driver may cost $4,690 or more

View Chart as Image

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

Auto insurance prices for a Toyota Yaris are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 130% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,600 a year. View Rates by Age

The state you live in has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,710 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles could cut prices by as much as $400 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company uses a different rate calculation, and quoted prices may be quite different.

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 2017 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
2017 Toyota Yaris $208 $376 $456 $1,198
2014 Toyota Yaris $180 $292 $464 $1,094
2013 Toyota Yaris $176 $272 $474 $1,080
2012 Toyota Yaris $164 $252 $474 $1,048
2009 Toyota Yaris $140 $190 $474 $962
2008 Toyota Yaris $134 $170 $468 $930
2007 Toyota Yaris $132 $166 $460 $916

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 Find the Cheapest Toyota Yaris Insurance

Getting lower rates on car insurance requires being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Shop around every couple of years by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following list is a recap of the material that was covered above.

  • Policyholders who require an increased level of liability coverage will pay about $500 each year to increase from a low limit to the 250/500 level
  • Drivers age 16 to 20 are charged the highest prices, with premiums as much as $391 a month if the policy includes full coverage
  • Higher risk drivers that have major violations or accidents may pay on average $1,410 more each year than a safer driver
  • Increasing physical damage deductibles can save approximately $400 each year

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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