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

Average premium for full coverage: $1,156

Price estimates for individual coverage:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Yaris models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas. The example below illustrates how your location can change auto insurance rates.

The ranges above show why everyone should compare prices for a specific zip code and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below shows average Toyota Yaris insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $682
• Using higher $1,000 deductibles will save about $122 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,156
• Choosing pricier low deductibles for physical damage coverage will cost an extra $236 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,502
• The price for full coverage for a teen driver for full coverage can be $4,546 or more

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on your driving record, the trim level of your Yaris, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,500 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 $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,650 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $360 each year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,400 to $1,900 additional each year, depending on your age. Toyota Yaris insurance for high-risk drivers can be anywhere from 42% to 135% more than average. 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 Cheaper Toyota Yaris Insurance

Getting lower rates on Toyota Yaris insurance requires being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around at least every other year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below is a condensed summary of the car insurance concepts illustrated above.

• High-risk drivers with multiple at-fault accidents may be required to pay an average of $1,350 more every year for auto insurance
• Drivers can save up to $130 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $350 each year
• Drivers who may need higher levels of liability will pay about $510 each year to increase from a low limit to 250/500 limits

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.