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 insurance rates for a Toyota Yaris are $1,156 a year for full coverage insurance. Comprehensive costs an estimated $200, collision insurance costs $338, and liability coverage costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,502. Teens receive the highest rates at up to $4,546 a year.

Average premium for full coverage: $1,156

Rate estimates broken down by individual coverage type:

Estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all Yaris models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.

These examples illustrate why everyone should compare rates for a targeted area and risk profile, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $682
• Drivers who choose higher $1,000 deductibles will pay approximately $122 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,156
• Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,392
• High-risk insureds with serious driving violations could pay up to $2,502
• The cost for full coverage for a teenage driver for full coverage can cost as much as $4,546 a year

View Chart as Image

Insurance rates for a Toyota Yaris can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $4,500 a year. View Rates by Age

Where you live makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,560 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $360 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,400 to $1,900 extra per year, depending on your age. Toyota Yaris insurance for high-risk drivers can cost around 42% to 135% more than the average policy. View High Risk Driver Rates

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 Find Low Cost Toyota Yaris Insurance

Saving money on auto insurance not only requires having a good driving record, but also maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates once a year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The next list is a review of the data that was touched on in this article.

• It is possible to save approximately $130 per year just by quoting online well ahead of the renewal date
• Consumers who want increased levels of liability coverage will pay approximately $510 annually to go from a minimum limit to 250/500 limits
• Drivers age 20 and younger are charged the highest rates, costing up to $379 per month for full coverage
• Drivers who have several accidents or serious violations pay on average $1,350 more annually to buy Toyota Yaris 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.