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 $1,198 every 12 months with full coverage. Comprehensive insurance costs an estimated $208, collision insurance costs $376, and liability coverage costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs $2,604 or more. Teens cost the most to insure at up to $4,690 a year.

Average premium for full coverage: $1,198

Policy rates broken down by type of insurance:

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Rate Information

The chart below details average Toyota Yaris insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $702
• Using higher $1,000 deductibles will save approximately $132 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,198
• Selecting more expensive low deductibles for physical damage coverage costs an extra $260 each year
• Higher-risk drivers with serious driving violations could pay up to $2,604
• Policy cost to insure a teenage driver with full coverage can cost as much as $4,690 or more

View Chart as Image

Auto insurance rates for a Toyota Yaris also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $400 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can be around 43% to 130% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,620 on average in New York, Michigan, and Florida.

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 Shop for Cheap Toyota Yaris Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to compare rates every time your policy renews by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a brief summary of the information covered in the above illustrations.

• You may be able to save approximately $140 per year just by shopping early and online
• Drivers age 20 and younger are the costliest to insure, as much as $391 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• Drivers that tend to have accidents or serious violations may pay on average $1,410 more annually to buy Toyota Yaris insurance
• Consumers who want increased levels of liability coverage will pay approximately $500 every year to increase from a 30/60 limit to a 250/500 level

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.