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 insurance. Comprehensive costs approximately $200, collision costs $338, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,502. Teenage drivers pay the most at $4,546 a year or more.

Average premium for full coverage: $1,156

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Yaris models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

These rate differences illustrate why everyone should compare prices using their specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $682
• Using higher $1,000 deductibles will save $122 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,156
• Using pricier low deductibles for physical damage coverage increases the price to $1,392
• Drivers who are prone to accidents and violations could pay around $2,502 or more
• An auto insurance policy to insure a teen driver for full coverage can cost $4,546 or more

View Chart as Image

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

Using high physical damage deductibles could cut prices by as much as $360 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared 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 are probably paying anywhere from $1,400 to $1,900 additional annually, depending on your age. Toyota Yaris insurance for high-risk drivers can be anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live 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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,560 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and prices will be substantially different.

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 More Affordable Toyota Yaris Insurance

Finding better rates on Toyota Yaris insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The points below are a summary of the data that was presented in the illustrations above.

• It is possible to save around $130 per year simply by quoting online well ahead of the renewal date
• Drivers who purchase increased liability limits will pay an extra $510 annually to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $379 per month if full coverage is included
• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,350 more per year to insure a Toyota Yaris

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.