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 around $208 each year, collision insurance costs $376, and liability insurance is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs $2,604 or more. Teen drivers pay the highest rates at up to $4,690 a year.

Average premium for full coverage: $1,198

Price estimates for individual coverage:

Prices are based on $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Yaris models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population have lower incidents of collision claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.

The ranges above demonstrate why all drivers should get quotes for a specific zip code, rather than relying on price averages.

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

More Rate Information

The chart below details average Toyota Yaris insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $702
• Choosing higher $1,000 deductibles can save about $132 annually
• The estimated price for the average middle-age driver using $500 deductibles is $1,198
• Choosing low deductibles for comp and collision coverage will cost an additional $260 a year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,604
• The price that insures a teen driver can be $4,690 each year

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 130% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,620 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $400 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

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 Affordable Toyota Yaris Insurance

Getting lower rates on Toyota Yaris insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around every couple of years by requesting rates from direct companies, and also from your local independent and exclusive agents.

The following is a brief review of the material that was touched on in this article.

• Drivers who may need higher liability limits will pay about $500 every year to raise limits from a low limit to the 250/500 level
• Teens are charged the highest prices, costing up to $391 a month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,410 more every year for Yaris insurance
• 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. 

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.