Toyota Yaris Insurance Rates
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Ted Patestos
Licensed Insurance Adjuster
Theodore (Ted) Patestos is a seasoned innovator and policyholder advocate in the public adjusting industry. With a career dedicated to turning data into actionable insights, Ted has championed tools and strategies that improve transparency, efficiency, and outcomes for both consumers and adjusters. He developed Claim Machine, a platform that uses weather data to help public adjusters, contractors,...
Licensed Insurance Adjuster
UPDATED: Jul 1, 2025
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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.
U.S. average insurance rates for a Toyota Yaris are $1,198 a year for full coverage. Comprehensive insurance costs on average $208, collision costs $376, and liability insurance costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing $2,604 or more. Teen drivers pay the highest rates at $4,690 a year or more.
Average premium for full coverage: $1,198
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all Yaris models.
Price Range from Low to High
For the average 40-year-old driver, Toyota Yaris insurance prices go from the low end price of $508 for liability-only coverage to the much higher price of $2,604 for high-risk insurance.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural areas have lower incidents of accident claims than larger metro areas.
The example below illustrates the difference location can make on car insurance rates.
The ranges above show why everyone should compare prices based on a specific location, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below shows estimated Toyota Yaris insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $702
- Using higher $1,000 deductibles will save around $132 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,198
- Choosing pricier low deductibles for physical damage coverage will cost an additional $260 a year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,604 or more
- The price that insures a teen driver for full coverage may cost $4,690 or more
Auto insurance prices for a Toyota Yaris are also quite variable based on the model of your Yaris, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. Toyota Yaris insurance for high-risk drivers can be anywhere from 43% to 130% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,600 a year. View Rates by Age
The state you live in has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,710 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,084 | -$114 | -9.5% |
| Alaska | $920 | -$278 | -23.2% |
| Arizona | $996 | -$202 | -16.9% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,368 | $170 | 14.2% |
| Colorado | $1,148 | -$50 | -4.2% |
| Connecticut | $1,232 | $34 | 2.8% |
| Delaware | $1,358 | $160 | 13.4% |
| Florida | $1,500 | $302 | 25.2% |
| Georgia | $1,106 | -$92 | -7.7% |
| Hawaii | $862 | -$336 | -28.0% |
| Idaho | $810 | -$388 | -32.4% |
| Illinois | $894 | -$304 | -25.4% |
| Indiana | $904 | -$294 | -24.5% |
| Iowa | $808 | -$390 | -32.6% |
| Kansas | $1,140 | -$58 | -4.8% |
| Kentucky | $1,636 | $438 | 36.6% |
| Louisiana | $1,776 | $578 | 48.2% |
| Maine | $740 | -$458 | -38.2% |
| Maryland | $988 | -$210 | -17.5% |
| Massachusetts | $958 | -$240 | -20.0% |
| Michigan | $2,084 | $886 | 74.0% |
| Minnesota | $1,004 | -$194 | -16.2% |
| Mississippi | $1,436 | $238 | 19.9% |
| Missouri | $1,064 | -$134 | -11.2% |
| Montana | $1,288 | $90 | 7.5% |
| Nebraska | $944 | -$254 | -21.2% |
| Nevada | $1,438 | $240 | 20.0% |
| New Hampshire | $864 | -$334 | -27.9% |
| New Jersey | $1,340 | $142 | 11.9% |
| New Mexico | $1,062 | -$136 | -11.4% |
| New York | $1,264 | $66 | 5.5% |
| North Carolina | $690 | -$508 | -42.4% |
| North Dakota | $980 | -$218 | -18.2% |
| Ohio | $828 | -$370 | -30.9% |
| Oklahoma | $1,232 | $34 | 2.8% |
| Oregon | $1,098 | -$100 | -8.3% |
| Pennsylvania | $1,144 | -$54 | -4.5% |
| Rhode Island | $1,600 | $402 | 33.6% |
| South Carolina | $1,086 | -$112 | -9.3% |
| South Dakota | $1,012 | -$186 | -15.5% |
| Tennessee | $1,050 | -$148 | -12.4% |
| Texas | $1,446 | $248 | 20.7% |
| Utah | $888 | -$310 | -25.9% |
| Vermont | $822 | -$376 | -31.4% |
| Virginia | $720 | -$478 | -39.9% |
| Washington | $928 | -$270 | -22.5% |
| West Virginia | $1,100 | -$98 | -8.2% |
| Wisconsin | $830 | -$368 | -30.7% |
| Wyoming | $1,070 | -$128 | -10.7% |
Choosing high deductibles could cut prices by as much as $400 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Yaris 2-Dr Hatchback | $1,244 | $104 |
| Toyota Yaris 4-Dr Hatchback | $1,188 | $99 |
| Toyota Yaris 4-Dr Sedan | $1,188 | $99 |
| Toyota Yaris S 2-Dr Hatchback | $1,278 | $107 |
| Toyota Yaris S 4-Dr Hatchback | $1,222 | $102 |
| Toyota Yaris S 4-Dr Sedan | $1,222 | $102 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota Yaris | $226 | $430 | $442 | $1,256 |
| 2019 Toyota Yaris | $218 | $400 | $452 | $1,228 |
| 2018 Toyota Yaris | $208 | $376 | $456 | $1,198 |
| 2017 Toyota Yaris | $200 | $338 | $460 | $1,156 |
| 2016 Toyota Yaris | $188 | $310 | $460 | $1,116 |
| 2014 Toyota Yaris | $176 | $272 | $474 | $1,080 |
| 2013 Toyota Yaris | $164 | $252 | $474 | $1,048 |
| 2012 Toyota Yaris | $158 | $228 | $478 | $1,022 |
| 2009 Toyota Yaris | $134 | $170 | $468 | $930 |
| 2008 Toyota Yaris | $132 | $166 | $460 | $916 |
| 2007 Toyota Yaris | $130 | $160 | $452 | $900 |
Rates are averaged for all Toyota Yaris models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Toyota Yaris Insurance
Getting lower rates on Toyota Yaris insurance requires having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Shop around every couple of years by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The following items are a summary of the material that was touched on in this article.
- Drivers who require additional liability coverage will pay about $500 each year to increase from a low limit to the 250/500 level
- 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $391 a month if the policy includes full coverage
- High-risk drivers who have multiple accidents or major violations may pay on average $1,410 more each year than a driver with a clean driving record
- Increasing physical damage deductibles can save approximately $400 each year
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,690 |
| 20 | $2,778 |
| 30 | $1,236 |
| 40 | $1,198 |
| 50 | $1,098 |
| 60 | $1,078 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,458 |
| $250 | $1,336 |
| $500 | $1,198 |
| $1,000 | $1,066 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,313 |
| 100/300 | $1,427 |
| 250/500 | $1,724 |
| 100 CSL | $1,359 |
| 300 CSL | $1,610 |
| 500 CSL | $1,792 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,654 |
| 20 | $4,430 |
| 30 | $2,640 |
| 40 | $2,604 |
| 50 | $2,488 |
| 60 | $2,466 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $62 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $83 |
| Total Discounts | $496 |
Discounts are estimated and may not be available from every company or in every state.
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