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 $1,198 annually for full coverage. Comprehensive insurance costs around $208 a year, collision costs $376, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $2,604 or more. Teenage drivers receive the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,198

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Yaris trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These examples show why it is important to get quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $702
• Choosing higher $1,000 deductibles can save about $1,066 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,198
• Using low $100 deductibles for comp and collision coverage costs an additional $260 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,604 or more
• The cost with full coverage for a teen driver can be $4,690 each year

View Chart as Image

Car 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.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $4,600 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 $2,000 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $400 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Toyota Yaris insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,710 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 get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so rate quotes 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 More Affordable Toyota Yaris Insurance

Saving money on car insurance takes avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

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

• Drivers can save up to $140 per year simply by quoting early and online
• Teenagers are the costliest to insure, costing as high as $391 per month if comprehensive and collision insurance is included
• Increasing deductibles could save up to $400 each year
• Higher risk drivers who have multiple accidents or major violations pay an average of $1,410 more every year for car insurance
• Policyholders who may need higher liability limits will pay an extra $500 each year to raise limits 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.