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 auto insurance rates for a Toyota Yaris are $1,156 annually for full coverage insurance. Comprehensive costs an estimated $200 a year, collision insurance costs $338, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $2,502. 16-year-old drivers pay the most at up to $4,546 a year.

Average premium for full coverage: $1,156

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area and their own personal driving habits, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $682
• Using higher $1,000 deductibles will save approximately $1,034 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,156
• Buying low $100 deductibles for physical damage coverage will cost $1,392
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,502
• An auto insurance policy with full coverage for a teenage driver can cost as much as $4,546 or more

View Chart as Image

Insurance prices for a Toyota Yaris also have a wide range based on the model of your Yaris, your risk profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $360 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see prices as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,560 on average in Florida, New York, and Michigan.

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 Right Toyota Yaris Insurance

Finding better rates on auto insurance requires being a good driver, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates at least once a year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a quick rundown of the primary concepts that were touched on in this article.

• It is possible to save approximately $130 per year just by quoting early and online
• Drivers with reckless driving or DUI convictions may pay on average $1,350 more annually than a safer driver
• Increasing policy deductibles could save up to $350 each year
• Drivers age 16 to 20 are charged the highest prices, with premiums being up to $379 per month including comprehensive and collision insurance

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.