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 $1,198 a year for full coverage. Comprehensive costs an estimated $208 a year, collision insurance costs $376, and liability insurance costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs around $2,604. Teenage drivers pay the most at up to $4,690 a year.

Average premium for full coverage: $1,198

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

These rate differences show why it is important to compare prices for a targeted area, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below shows average Toyota Yaris insurance rates for other coverage scenarios.

• The best discount rate is $702
• Using higher $1,000 deductibles will save approximately $1,066 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,198
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,458
• Drivers who are prone to accidents and violations could pay up to $2,604
• An auto insurance policy that insures a teen driver can cost as much as $4,690 or more

View Chart as Image

Insurance prices for a Toyota Yaris also have a wide range based on the trim level of your Yaris, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,400 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision 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 teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

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 $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,710 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $400 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each 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 Toyota Yaris Insurance

Finding better rates on Toyota Yaris insurance requires being safe and accident-free, having a good credit score, not filing small claims, and possibly raising deductibles. Compare prices once a year by requesting rates from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the data that was touched on above.

• Drivers can save approximately $140 per year just by quoting early and online
• Drivers who want more liability protection will pay an extra $500 each year to increase from 30/60 bodily injury limits to the 250/500 level
• Youthful drivers are expensive to insure, as much as $391 per month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations may pay on average $1,410 more annually than a low-risk driver

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.