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 with full coverage. Comprehensive costs on average $200, collision costs $338, and liability is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $2,502. Teenage drivers pay the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Price estimates by individual coverage:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Yaris models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than densely populated cities.

The example below illustrates the effect of geographic area on car insurance rates.

The ranges above demonstrate why everyone should get quotes based on a specific location and risk profile, instead of using average rates.

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

Rates by State, City, and Model

The chart below details estimated Toyota Yaris insurance rates for different risk profiles and scenarios.

• The best discount rate is $682
• Choosing higher $1,000 deductibles can save around $122 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,156
• Using pricier low deductibles for comp and collision coverage will increase the cost to $1,392
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,502 or more
• The price for full coverage for a teen driver for full coverage may cost $4,546 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Yaris insurance prices. A good driver about age 40 could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,560 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $360 every year, whereas buying more liability protection will cost you more. Moving 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 may be forking out at a minimum $1,400 to $1,900 additional each year, depending on your age. Toyota Yaris insurance for high-risk drivers ranges as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, and prices may be quite different 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 Cheap Toyota Yaris Insurance

Getting lower rates on car insurance takes not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every time your policy renews by getting quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The following is a brief summary of the information covered in the above illustrations.

• You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
• Teens pay higher prices, costing up to $379 a month including comprehensive and collision insurance
• Increasing physical damage deductibles can save around $350 each year
• Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,350 more each year for Yaris insurance
• Policyholders who require higher liability limits will pay an extra $510 every year to raise limits 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.