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.

Average insurance rates for a Toyota Yaris are $1,156 a year for full coverage. Comprehensive insurance costs on average $200 each year, collision costs $338, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing $2,502 or more. 16-year-old drivers receive the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Yaris models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities.

The graphic below illustrates how your location can change car insurance rates.

These examples show why all drivers should compare prices based on a specific location and risk profile, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $682
• Using higher $1,000 deductibles will save around $122 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,156
• Buying low deductibles for physical damage coverage will cost an extra $236 every year
• Drivers with multiple tickets or accidents could pay upwards of $2,502 or more
• The cost for full coverage for a teen driver may cost $4,546 or more

View Chart as Image

Auto insurance rates for a Toyota Yaris can also vary considerably based on your driver profile, the trim level of your Yaris, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $4,500 a year. View Rates by Age

Where you live has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Idaho, Maine, and Iowa, or at least $1,650 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $360 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 in extra premium per year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 135% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted rates can be significantly 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 the Cheapest Toyota Yaris Insurance

Saving money on car insurance requires having a decent driving record, having good credit, eliminating unneeded coverage, and taking advantage of discounts. Invest the time to shop around every year by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following items are a recap of the coverage data illustrated above.

• Drivers can save as much as $130 per year simply by quoting online in advance
• Increasing deductibles can save around $350 each year
• 16 to 18-year-old drivers are charged the highest rates, costing as high as $379 per month if they have full coverage
• Higher risk drivers that have major violations or accidents will pay on average $1,350 more each year than a driver with a clean driving record

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.