Toyota Yaris Insurance Rates

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Merriya Valleri

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Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

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Theodore (Ted) Patestos is a seasoned innovator and policyholder advocate in the public adjusting industry. With a career dedicated to turning data into actionable insights, Ted has championed tools and strategies that improve transparency, efficiency, and outcomes for both consumers and adjusters. He developed Claim Machine, a platform that uses weather data to help public adjusters, contractors,...

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UPDATED: Jul 1, 2025

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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 rates for a Toyota Yaris are $1,156 a year for full coverage. Comprehensive insurance costs approximately $200 each year, collision costs $338, and liability coverage is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,502 or more. 16-year-old drivers pay the most at $4,546 a year or more.

Average premium for full coverage: $1,156

Premium estimates by type of coverage:

Comprehensive $200
Collision $338
Liability $460

Prices include $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Yaris models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Toyota Yaris go from as low as $510 for the bare minimum liability coverage to a high rate of $2,502 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,156
High Risk $2,502

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than congested cities.

The graphic below illustrates how your location can change auto insurance prices.

Rural Areas $867
Small Cities $1,214
Large Cities $1,561

These rate differences show why all drivers should compare rates quotes using their specific location and risk profile, rather than using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

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

  • The best full coverage rate is $682
  • Raising to $1,000 deductibles will save $122 a year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,156
  • Buying low deductibles will cost an extra $236 each year
  • Unlucky drivers with multiple tickets or accidents could pay around $2,502 or more
  • An auto insurance policy for full coverage for a teenage driver can cost $4,546

View Chart as Image

Toyota Yaris insurance cost comparison chart
Column chart showing full coverage Toyota Yaris insurance prices range from $682 to $4,546

Insurance prices for a Toyota Yaris also have a wide range based on your driving characteristics, the trim level of your Yaris, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota Yaris insurance rates. A middle-age driver might find prices as low as $760 a year in states like Iowa, Maine, and Idaho, or at least $1,650 on average in New York, Louisiana, and Michigan.

Toyota Yaris Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,046 -$110 -9.5%
Alaska $886 -$270 -23.4%
Arizona $960 -$196 -17.0%
Arkansas $1,156 -$0 0.0%
California $1,316 $160 13.8%
Colorado $1,106 -$50 -4.3%
Connecticut $1,188 $32 2.8%
Delaware $1,308 $152 13.1%
Florida $1,446 $290 25.1%
Georgia $1,066 -$90 -7.8%
Hawaii $830 -$326 -28.2%
Idaho $782 -$374 -32.4%
Illinois $862 -$294 -25.4%
Indiana $868 -$288 -24.9%
Iowa $780 -$376 -32.5%
Kansas $1,098 -$58 -5.0%
Kentucky $1,576 $420 36.3%
Louisiana $1,710 $554 47.9%
Maine $714 -$442 -38.2%
Maryland $954 -$202 -17.5%
Massachusetts $926 -$230 -19.9%
Michigan $2,008 $852 73.7%
Minnesota $968 -$188 -16.3%
Mississippi $1,384 $228 19.7%
Missouri $1,026 -$130 -11.2%
Montana $1,240 $84 7.3%
Nebraska $912 -$244 -21.1%
Nevada $1,386 $230 19.9%
New Hampshire $834 -$322 -27.9%
New Jersey $1,294 $138 11.9%
New Mexico $1,024 -$132 -11.4%
New York $1,218 $62 5.4%
North Carolina $666 -$490 -42.4%
North Dakota $946 -$210 -18.2%
Ohio $798 -$358 -31.0%
Oklahoma $1,188 $32 2.8%
Oregon $1,060 -$96 -8.3%
Pennsylvania $1,102 -$54 -4.7%
Rhode Island $1,542 $386 33.4%
South Carolina $1,048 -$108 -9.3%
South Dakota $974 -$182 -15.7%
Tennessee $1,014 -$142 -12.3%
Texas $1,392 $236 20.4%
Utah $856 -$300 -26.0%
Vermont $790 -$366 -31.7%
Virginia $692 -$464 -40.1%
Washington $894 -$262 -22.7%
West Virginia $1,060 -$96 -8.3%
Wisconsin $800 -$356 -30.8%
Wyoming $1,030 -$126 -10.9%

View Chart as Image

Toyota Yaris insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $360 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 135% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Toyota Yaris Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Yaris 2-Dr Hatchback $1,206 $101
Toyota Yaris 4-Dr Hatchback $1,146 $96
Toyota Yaris 4-Dr Sedan $1,146 $96
Toyota Yaris S 2-Dr Hatchback $1,238 $103
Toyota Yaris S 4-Dr Hatchback $1,176 $98
Toyota Yaris S 4-Dr Sedan $1,176 $98

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.

Toyota Yaris Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Yaris $218 $400 $452 $1,228
2019 Toyota Yaris $208 $376 $456 $1,198
2018 Toyota Yaris $200 $338 $460 $1,156
2017 Toyota Yaris $188 $310 $460 $1,116
2016 Toyota Yaris $180 $292 $464 $1,094
2014 Toyota Yaris $164 $252 $474 $1,048
2013 Toyota Yaris $158 $228 $478 $1,022
2012 Toyota Yaris $148 $210 $474 $990
2009 Toyota Yaris $132 $166 $460 $916
2008 Toyota Yaris $130 $160 $452 $900
2007 Toyota Yaris $120 $152 $446 $876

Rates are averaged for all Toyota Yaris models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Toyota Yaris Insurance

Finding better rates on auto insurance consists of having a good driving record, maintaining good credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a quick rundown of the car insurance concepts illustrated above.

  • Drivers with reckless driving or DUI convictions may pay on average $1,350 more per year to buy Toyota Yaris insurance
  • Drivers can save around $130 per year simply by quoting online in advance
  • Increasing policy deductibles can save around $350 each year
  • Consumers who purchase increased levels of liability coverage will pay around $510 each year to raise from 30/60 bodily injury limits 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. 

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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.

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.

Rates by Driver Age

Toyota Yaris Insurance Rates by Driver Age
Driver Age Premium
16 $4,546
20 $2,668
30 $1,186
40 $1,156
50 $1,060
60 $1,038

Full coverage, $500 deductibles

Rates by Deductible

Toyota Yaris Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,392
$250 $1,282
$500 $1,156
$1,000 $1,034

Full coverage, driver age 40

Rates by Liability Limit

Toyota Yaris Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,156
50/100 $1,268
100/300 $1,383
250/500 $1,682
100 CSL $1,314
300 CSL $1,567
500 CSL $1,751

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Yaris Insurance Rates for High Risk Drivers
Age Premium
16 $6,438
20 $4,254
30 $2,538
40 $2,502
50 $2,394
60 $2,372

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $160

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $78
5-yr Claim Free $74
Paid in Full/EFT $47
Advance Quote $54
Online Quote $80
Total Discounts $474
Rate after discounts $682

Discounts are estimated and may not be available from every company or in every state.

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