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 prices for a Toyota Yaris are $1,156 every 12 months for full coverage insurance. Comprehensive insurance costs on average $200 each year, collision costs $338, and liability insurance is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $2,502 or more. Teenage drivers cost the most to insure at $4,546 a year or more.

Average premium for full coverage: $1,156

Policy rates by type of insurance:

Estimates include $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities.

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

The examples above illustrate why all drivers should compare rates quotes based on a specific location and their own driving history, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $682
• Raising to $1,000 deductibles will save around $122 each year
• The average price for a good driver age 40 with $500 deductibles is $1,156
• Using low deductibles costs an extra $236 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,502 or more
• Policy cost to insure a teen driver may cost $4,546

View Chart as Image

Insurance rates for a Toyota Yaris also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Yaris.

Using high physical damage deductibles can reduce rates by up to $360 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Toyota Yaris insurance rates. A middle-age driver might find rates 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

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates 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 Shop for Low Cost Toyota Yaris Insurance

Finding cheaper rates on Toyota Yaris insurance consists of not taking risks behind the wheel, having good credit, being claim-free, and bundling your home and auto policies. Take the time to comparison shop at least once a year by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The following is a review of the primary concepts that were touched on in the above illustrations.

• It is possible to save as much as $130 per year simply by quoting online in advance
• High-risk drivers who have several accidents or serious violations pay on average $1,350 more each year for Yaris insurance
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Teens pay the highest rates, possibly costing $379 each month if they have full coverage

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.