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.

U.S. average auto insurance rates for a Toyota Yaris are $1,156 annually including full coverage. Comprehensive insurance costs approximately $200 each year, collision insurance costs $338, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $2,502 or more. Teenage drivers pay the highest rates at up to $4,546 a year.

Average premium for full coverage: $1,156

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Yaris models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why all drivers should compare prices using their specific location and their own personal driving habits, instead of using average rates.

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

More Rate Information

The chart below breaks down average Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The best discount rate is $682
• Using higher $1,000 deductibles will save $122 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,156
• Using low deductibles for physical damage coverage costs an additional $236 every year
• Drivers who are prone to accidents and violations could pay around $2,502
• The price with full coverage for a teen driver can cost $4,546 or more

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $360 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see prices as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,650 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 the Best Cheap Toyota Yaris Insurance

Getting lower rates on car insurance requires being safe and accident-free, having good credit, being claim-free, and consideration of higher deductibles. Take the time to compare rates once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below you'll find a quick review of the data that was covered in the above illustrations.

• You may be able to save around $130 per year just by quoting online in advance
• Policyholders who purchase more liability protection will pay an extra $510 per year to increase from a low limit to higher 250/500 limits
• Youthful drivers are the costliest to insure, possibly costing $379 a month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,350 more per 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.