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 rates for a Toyota Yaris are $1,156 a year with full coverage. Comprehensive insurance costs on average $200 a year, collision costs $338, and liability costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $2,502 or more. Teen drivers pay the most at $4,546 a year or more.

Average premium for full coverage: $1,156

Premium estimates by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates the difference location can make on car insurance rates.

These rate differences demonstrate why it is important to compare rates based on a specific location and risk profile, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $682
• Drivers who choose higher $1,000 deductibles will pay around $1,034 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,156
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $236 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,502 or more
• An auto insurance policy for full coverage for a teen driver may cost $4,546 a year

View Chart as Image

Insurance prices for a Toyota Yaris also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 per year 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 upwards of $4,500 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,560 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could save up to $360 every year, while buying higher liability limits will cost you more. Moving 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 may be forking out at a minimum $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 135% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different rate calculation, so the prices will be substantially 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 Affordable Toyota Yaris Insurance

Finding better rates on car insurance not only requires avoiding accidents and violations, but also maintaining good credit, being claim-free, and bundling your home and auto policies. Make time to compare rates at every other renewal by getting price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a brief review of the concepts that were touched on in this article.

• Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,350 more each year for car insurance
• Teenagers pay the highest prices, possibly costing $379 per month for full coverage
• You may be able to save as much as $130 per year simply by quoting early and online
• Increasing policy deductibles can save around $350 each year
• You may be able to save as much as $130 per year simply by quoting early and online

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.