Toyota Yaris Insurance Rates
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UPDATED: Jun 6, 2023
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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 auto insurance rates for a Toyota Yaris are $1,198 annually for full coverage insurance. Comprehensive insurance costs approximately $208 each year, collision insurance costs $376, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs $2,604 or more. Teens pay the most at up to $4,690 a year.
Average premium for full coverage: $1,198
Premium estimates by type of coverage:
Prices include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Yaris models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Toyota Yaris range from as cheap as $508 for liability-only coverage to a high rate of $2,604 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance prices.
These rate differences illustrate why all drivers should compare prices using their specific location and their own personal driving habits, rather than using averaged prices.
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 Charts and Tables
The chart below illustrates average Toyota Yaris insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $702
- Using higher $1,000 deductibles will save $132 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,198
- Selecting low deductibles for physical damage coverage costs an additional $260 each year
- Higher-risk drivers with serious driving violations could pay around $2,604
- An auto insurance policy with full coverage for a teenage driver can cost $4,690 or more
Insurance prices for a Toyota Yaris also have a wide range based on the model of your Yaris, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be around 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $400 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit
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 North Carolina, Wisconsin, and Vermont, or have to pay at least $1,620 on average in Florida, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,084 | -$114 | -9.5% |
Alaska | $920 | -$278 | -23.2% |
Arizona | $996 | -$202 | -16.9% |
Arkansas | $1,198 | -$0 | 0.0% |
California | $1,368 | $170 | 14.2% |
Colorado | $1,148 | -$50 | -4.2% |
Connecticut | $1,232 | $34 | 2.8% |
Delaware | $1,358 | $160 | 13.4% |
Florida | $1,500 | $302 | 25.2% |
Georgia | $1,106 | -$92 | -7.7% |
Hawaii | $862 | -$336 | -28.0% |
Idaho | $810 | -$388 | -32.4% |
Illinois | $894 | -$304 | -25.4% |
Indiana | $904 | -$294 | -24.5% |
Iowa | $808 | -$390 | -32.6% |
Kansas | $1,140 | -$58 | -4.8% |
Kentucky | $1,636 | $438 | 36.6% |
Louisiana | $1,776 | $578 | 48.2% |
Maine | $740 | -$458 | -38.2% |
Maryland | $988 | -$210 | -17.5% |
Massachusetts | $958 | -$240 | -20.0% |
Michigan | $2,084 | $886 | 74.0% |
Minnesota | $1,004 | -$194 | -16.2% |
Mississippi | $1,436 | $238 | 19.9% |
Missouri | $1,064 | -$134 | -11.2% |
Montana | $1,288 | $90 | 7.5% |
Nebraska | $944 | -$254 | -21.2% |
Nevada | $1,438 | $240 | 20.0% |
New Hampshire | $864 | -$334 | -27.9% |
New Jersey | $1,340 | $142 | 11.9% |
New Mexico | $1,062 | -$136 | -11.4% |
New York | $1,264 | $66 | 5.5% |
North Carolina | $690 | -$508 | -42.4% |
North Dakota | $980 | -$218 | -18.2% |
Ohio | $828 | -$370 | -30.9% |
Oklahoma | $1,232 | $34 | 2.8% |
Oregon | $1,098 | -$100 | -8.3% |
Pennsylvania | $1,144 | -$54 | -4.5% |
Rhode Island | $1,600 | $402 | 33.6% |
South Carolina | $1,086 | -$112 | -9.3% |
South Dakota | $1,012 | -$186 | -15.5% |
Tennessee | $1,050 | -$148 | -12.4% |
Texas | $1,446 | $248 | 20.7% |
Utah | $888 | -$310 | -25.9% |
Vermont | $822 | -$376 | -31.4% |
Virginia | $720 | -$478 | -39.9% |
Washington | $928 | -$270 | -22.5% |
West Virginia | $1,100 | -$98 | -8.2% |
Wisconsin | $830 | -$368 | -30.7% |
Wyoming | $1,070 | -$128 | -10.7% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Toyota Yaris 2-Dr Hatchback | $1,244 | $104 |
Toyota Yaris 4-Dr Hatchback | $1,188 | $99 |
Toyota Yaris 4-Dr Sedan | $1,188 | $99 |
Toyota Yaris S 2-Dr Hatchback | $1,278 | $107 |
Toyota Yaris S 4-Dr Hatchback | $1,222 | $102 |
Toyota Yaris S 4-Dr Sedan | $1,222 | $102 |
Rates assume 2017 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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2017 Toyota Yaris | $208 | $376 | $456 | $1,198 |
2014 Toyota Yaris | $180 | $292 | $464 | $1,094 |
2013 Toyota Yaris | $176 | $272 | $474 | $1,080 |
2012 Toyota Yaris | $164 | $252 | $474 | $1,048 |
2009 Toyota Yaris | $140 | $190 | $474 | $962 |
2008 Toyota Yaris | $134 | $170 | $468 | $930 |
2007 Toyota Yaris | $132 | $166 | $460 | $916 |
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 Buy the Right Toyota Yaris Insurance
Finding better rates on auto insurance requires being a good driver, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around every year by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The following list is a quick rundown of the coverage data raised in the charts and tables above.
- It is possible to save around $140 per year just by quoting online in advance
- Increasing policy deductibles could save up to $400 each year
- Drivers age 16 to 20 are expensive to insure, with premiums being up to $391 per month including comprehensive and collision insurance
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,410 more per year than a safer 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.
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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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,690 |
20 | $2,778 |
30 | $1,236 |
40 | $1,198 |
50 | $1,098 |
60 | $1,078 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,458 |
$250 | $1,336 |
$500 | $1,198 |
$1,000 | $1,066 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,198 |
50/100 | $1,313 |
100/300 | $1,427 |
250/500 | $1,724 |
100 CSL | $1,359 |
300 CSL | $1,610 |
500 CSL | $1,792 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,654 |
20 | $4,430 |
30 | $2,640 |
40 | $2,604 |
50 | $2,488 |
60 | $2,466 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $62 |
Multi-vehicle | $65 |
Homeowner | $20 |
5-yr Accident Free | $82 |
5-yr Claim Free | $77 |
Paid in Full/EFT | $50 |
Advance Quote | $57 |
Online Quote | $83 |
Total Discounts | $496 |
Discounts are estimated and may not be available from every company or in every state.
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