Toyota Yaris Insurance Rates
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Ted Patestos
Licensed Insurance Adjuster
Theodore (Ted) Patestos is a seasoned innovator and policyholder advocate in the public adjusting industry. With a career dedicated to turning data into actionable insights, Ted has championed tools and strategies that improve transparency, efficiency, and outcomes for both consumers and adjusters. He developed Claim Machine, a platform that uses weather data to help public adjusters, contractors,...
Licensed Insurance Adjuster
UPDATED: Jul 1, 2025
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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 insurance rates for a Toyota Yaris are $1,198 a year with full coverage. Comprehensive costs approximately $208, collision insurance costs $376, and liability insurance costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $2,604. 16-year-old drivers pay the most at up to $4,690 a year.
Average premium for full coverage: $1,198
Premium estimates by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different Yaris trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota Yaris range from as low as $508 for minimum levels of liability insurance to a much higher rate of $2,604 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than congested cities. The price range example below illustrates how your location can change auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than relying on rate averages.
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 Rate Details
The chart below details average Toyota Yaris insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $702
- Using higher $1,000 deductibles will save $132 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,198
- Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,458
- Drivers with multiple tickets or accidents could pay around $2,604
- An auto insurance policy for full coverage for a teen driver with full coverage can cost $4,690 or more
Insurance prices for a Toyota Yaris also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $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 $860 a year in states like Utah, Ohio, and New Hampshire, or at least $1,620 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $400 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $411 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 anywhere from $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates
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 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota Yaris | $226 | $430 | $442 | $1,256 |
| 2019 Toyota Yaris | $218 | $400 | $452 | $1,228 |
| 2018 Toyota Yaris | $208 | $376 | $456 | $1,198 |
| 2017 Toyota Yaris | $200 | $338 | $460 | $1,156 |
| 2016 Toyota Yaris | $188 | $310 | $460 | $1,116 |
| 2014 Toyota Yaris | $176 | $272 | $474 | $1,080 |
| 2013 Toyota Yaris | $164 | $252 | $474 | $1,048 |
| 2012 Toyota Yaris | $158 | $228 | $478 | $1,022 |
| 2009 Toyota Yaris | $134 | $170 | $468 | $930 |
| 2008 Toyota Yaris | $132 | $166 | $460 | $916 |
| 2007 Toyota Yaris | $130 | $160 | $452 | $900 |
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 Find the Best Cheap Toyota Yaris Insurance
Finding better rates on Toyota Yaris insurance requires avoiding accidents and violations, maintaining good credit, being claim-free, and possibly raising deductibles. Invest the time to shop around at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a quick review of the concepts that were illustrated above.
- High-risk drivers with a DUI or reckless driving violation pay on average $1,410 more per year for car insurance
- Teenagers are expensive to insure, possibly costing $391 per month for full coverage
- You may be able to save around $140 per year just by shopping early and online
- Increasing policy deductibles can save around $400 each year
- You may be able to save around $140 per year just by shopping 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.
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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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