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.

Estimated insurance rates for a Toyota Yaris are $1,156 a year with full coverage. Comprehensive insurance costs around $200, collision costs $338, and liability costs around $460. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing $2,502 or more. Teens pay the most at $4,546 a year or more.

Average premium for full coverage: $1,156

Premium estimates for type of coverage:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $682
• Using higher $1,000 deductibles will save about $122 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,156
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $236 every year
• Drivers with serious driving violations could pay at least $2,502 or more
• An auto insurance policy for full coverage for a teen driver with full coverage can be $4,546 or more

View Chart as Image

Car insurance prices for a Toyota Yaris also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $4,500 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see prices as low as $830 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,560 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $360 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,400 to $1,900 extra annually, depending on your age. High-risk driver insurance can be as much as 42% to 135% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to compare prices and see which company has the best price. Each insurance company calculates prices differently, so rate quotes will be substantially 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 Cheapest Toyota Yaris Insurance

Finding better rates on car insurance requires avoiding accidents and violations, having above-average credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a recap of the ideas that were touched on in this article.

• Teenagers are the costliest to insure, possibly costing $379 per month if full coverage is included
• Higher risk drivers that have major violations or accidents pay an average of $1,350 more every year for car insurance
• Increasing policy deductibles can save around $350 each year
• You may be able to save up to $130 per year simply by shopping early and online

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.