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 auto insurance rates for a Toyota Yaris are $1,156 annually for full coverage. Comprehensive costs on average $200 each year, collision insurance costs $338, and liability is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $2,502. Teen drivers cost the most to insure at up to $4,546 a year.

Average premium for full coverage: $1,156

Policy rates by type of insurance:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas. The graphic below illustrates how location impacts car insurance rates.

The examples above show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $682
• Raising to $1,000 deductibles will save around $122 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,156
• Choosing low deductibles will cost $1,392
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,502
• Policy cost with full coverage for a 16-year-old driver may cost $4,546

View Chart as Image

Insurance rates for a Toyota Yaris also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $360 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find rates as low as $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,650 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Buy the Cheapest Toyota Yaris Insurance

Finding cheaper rates on insurance for a Toyota Yaris consists of being a good driver, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around every other policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following list is a recap of the ideas that were touched on above.

• Drivers age 16 to 20 pay higher rates, costing up to $379 each month if they have full coverage
• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,350 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers can save as much as $130 per year just by quoting online in advance

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.