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 prices for a Toyota Yaris are $1,198 every 12 months for full coverage. Comprehensive insurance costs on average $208, collision costs $376, and liability costs around $456. A policy with just liability insurance costs as low as $508 a year, with coverage for high-risk drivers costing $2,604 or more. Teenage drivers receive the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,198

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Yaris trim levels.

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 more infrequent accident claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

These examples show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $702
• Using higher $1,000 deductibles will save around $132 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,198
• Using more expensive low deductibles for physical damage coverage costs an extra $260 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,604 or more
• The cost to insure a 16-year-old driver with full coverage may cost $4,690 or more

View Chart as Image

Insurance rates for a Toyota Yaris can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Yaris.

Using high physical damage deductibles could cut rates by as much as $400 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see rates as low as $790 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,710 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know exactly what you will pay is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and rates can be significantly different.

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 Shop for More Affordable Toyota Yaris Insurance

Saving money on insurance for a Toyota Yaris requires avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Make time to compare rates at least every other year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a summary of the car insurance concepts touched on in this article.

• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,410 more each year for car insurance
• Drivers can save as much as $140 per year simply by shopping early and online
• Increasing deductibles could save as much as $400 each year
• Insureds who require higher liability limits will pay an extra $500 each year to increase from a minimum limit to a 250/500 level

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.