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.

U.S. average insurance rates for a Toyota Yaris are $1,198 a year with full coverage. Comprehensive insurance costs approximately $208 a year, collision costs $376, and liability is $456. A policy with just liability insurance costs around $508 a year, with coverage for high-risk drivers costing $2,604 or more. 16-year-old drivers pay the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,198

Price estimates by individual coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Yaris trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations have a lower frequency of collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why it is important to compare rates quotes using their specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below details estimated Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $702
• Raising to $1,000 deductibles will save $1,066 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,198
• Buying low $100 deductibles will cost an extra $260 annually
• Drivers with multiple tickets or accidents could pay around $2,604 or more
• The price for full coverage for a 16-year-old driver can cost $4,690

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find prices as low as $860 a year in states like Utah, Ohio, and New Hampshire, or at least $1,620 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $400 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.

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 the Best Toyota Yaris Insurance

Getting lower rates on insurance for a Toyota Yaris consists of being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief recap of the car insurance concepts covered above.

• Drivers considered higher risk who tend to receive serious violations pay on average $1,410 more per year to insure their Yaris
• You may be able to save around $140 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $400 each year
• Insureds who purchase more liability coverage will pay around $500 every year to raise from a low limit to 250/500 limits

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.