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.

Average auto insurance rates for a Toyota Yaris are $1,156 annually for full coverage. Comprehensive insurance costs around $200, collision costs $338, and liability is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $2,502 or more. Teenage drivers receive the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Rate estimates for individual coverage type:

Price estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different Yaris trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $682
• Raising to $1,000 deductibles will save about $122 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,156
• Using more expensive low deductibles costs an additional $236 annually
• Drivers who are prone to accidents and violations could pay at least $2,502 or more
• The cost with full coverage for a 16-year-old driver with full coverage can be $4,546

View Chart as Image

Auto insurance rates for a Toyota Yaris can also vary considerably based on the trim level of your Yaris, your driver profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $360 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

Where you live 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 be forced to pay as much as $1,650 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know your exact price is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

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 Cheaper Toyota Yaris Insurance

Saving money on insurance for a Toyota Yaris consists of not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The following is a condensed summary of the information covered above.

• Drivers can save up to $130 per year simply by shopping early and online
• Teens are expensive to insure, costing as high as $379 per month if full coverage is included
• Increasing deductibles could save up to $350 each year
• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,350 more every year for Yaris insurance
• Insureds who may need higher liability limits will pay an extra $510 each year to raise from a minimum limit to higher 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.