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 $1,198 a year including full coverage. Comprehensive costs on average $208 each year, collision insurance costs $376, and liability costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs around $2,604. 16-year-old drivers receive the highest rates at up to $4,690 a year.

Average premium for full coverage: $1,198

Rate estimates by individual coverage type:

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Yaris models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change car insurance rates.

These examples highlight why all drivers should compare prices based on a specific location, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below breaks down average Toyota Yaris insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $702
• Using higher $1,000 deductibles will save around $132 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,198
• Buying low deductibles for physical damage coverage bumps up the cost to $1,458
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,604
• The cost that insures a 16-year-old driver may cost $4,690 or more

View Chart as Image

Insurance rates for a Toyota Yaris can also vary considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,600 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 $920 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,710 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $400 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

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 Best Cheap Toyota Yaris Insurance

Saving money on insurance for a Toyota Yaris requires being a low-risk driver, having above-average credit, not filing small claims, and determing if full coverage is necessary. Comparison shop at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a quick review of the primary concepts that were illustrated above.

• You may be able to save as much as $140 per year just by quoting online in advance
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,410 more each year to insure their Yaris
• Increasing deductibles can save approximately $400 each year
• Teen drivers pay the highest rates, as much as $391 per month if full coverage is included

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.