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.

The average insurance rates for a Toyota Yaris are $1,198 a year for full coverage insurance. Comprehensive insurance costs around $208 each year, collision costs $376, and liability insurance costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing $2,604 or more. Teenage drivers cost the most to insure at $4,690 a year or more.

Average premium for full coverage: $1,198

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance rates.

The examples above illustrate why all drivers should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $702
• Drivers who choose higher $1,000 deductibles will pay about $132 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,198
• Using low deductibles for comprehensive and collision insurance will cost an extra $260 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,604 or more
• Policy cost for full coverage for a teen driver can be $4,690 a year

View Chart as Image

Insurance rates for a Toyota Yaris also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

Your home state makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $400 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied from one company to the next.

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 Affordable Toyota Yaris Insurance

Finding cheaper rates on Toyota Yaris insurance not only requires being safe and accident-free, but also maintaining good credit, being claim-free, and insuring your home and auto with the same company. Make time to compare rates once a year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the data that was touched on in this article.

• It is possible to save up to $140 per year simply by quoting online in advance
• Drivers who may need more liability protection will pay an extra $500 annually to go from a 30/60 limit to 250/500 limits
• Youthful drivers pay higher rates, possibly costing $391 each month for full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,410 more every year than a low-risk driver

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.