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 including full coverage. Comprehensive insurance costs an estimated $200 a year, collision costs $338, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,502 or more. Teens pay the most at $4,546 a year or more.

Average premium for full coverage: $1,156

Premium estimates broken down by type of coverage:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

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

These rate differences highlight why it is important to get quotes for a targeted area and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Analysis

The chart below breaks down estimated Toyota Yaris insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $682
• Choosing higher $1,000 deductibles can save approximately $1,034 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,156
• Selecting low $100 deductibles for comp and collision coverage costs an additional $236 each year
• Drivers with serious driving violations could pay up to $2,502 or more
• An auto insurance policy with full coverage for a teenage driver can cost as much as $4,546 each year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher 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 likely paying $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $360 a year, while buying higher liability limits will increase premiums. Changing 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 plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,650 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Each auto insurer calculates prices differently, so the prices will be substantially 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 Low Cost Toyota Yaris Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having a good credit history, refrain from filing small claims, and taking advantage of discounts. Take the time to compare rates every couple of years by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a review of the material that was covered in the above illustrations.

• Consumers who want higher levels of liability will pay approximately $510 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Teenage drivers are charged the highest prices, with the cost nearing $379 per month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations could be forced to pay on average $1,350 more annually for auto insurance
• Increasing policy deductibles could save up to $350 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. 

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.