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 insurance prices for a Toyota Yaris are $1,156 every 12 months for full coverage. Comprehensive costs approximately $200 a year, collision insurance costs $338, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $2,502. Teen drivers pay the most at up to $4,546 a year.

Average premium for full coverage: $1,156

Premium estimates by type of coverage:

These estimates include $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

These rate differences show why it is important to compare rates using their specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $682
• Drivers who choose higher $1,000 deductibles will pay $1,034 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,156
• Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,392
• Drivers with multiple violations and an at-fault accident could pay around $2,502
• An auto insurance policy to insure a 16-year-old driver can cost $4,546 a year

View Chart as Image

Insurance prices for a Toyota Yaris also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Yaris.

Choosing high deductibles could save up to $360 annually, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost from 42% to 135% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or as much as $1,650 on average in New York, Louisiana, 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 Shop for Cheap Toyota Yaris Insurance

Finding better rates on insurance for a Toyota Yaris not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every couple of years by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The following is a brief summary of the material that was touched on above.

• Insureds who purchase higher liability limits will pay about $510 each year to go from 30/60 bodily injury limits to a 250/500 level
• Teens are expensive to insure, as much as $379 per month if they have full coverage
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,350 more per year for Yaris insurance
• Increasing policy deductibles could save as much as $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.