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.

U.S. average insurance rates for a Toyota Yaris are $1,198 a year for full coverage insurance. Comprehensive insurance costs around $208, collision costs $376, and liability insurance is estimated at $456. A policy with just liability insurance costs approximately $508 a year, with coverage for high-risk drivers costing $2,604 or more. Teens pay the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,198

Price estimates for individual coverage:

Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Yaris models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above illustrate why everyone should get quotes for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Information

The chart below illustrates estimated Toyota Yaris insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $702
• Choosing higher $1,000 deductibles can save about $132 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,198
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $260 a year
• High-risk insureds with serious driving violations could pay at least $2,604 or more
• The price that insures a teen driver for full coverage can be $4,690 each year

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on the model of your Yaris, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. Toyota Yaris insurance for high-risk drivers ranges anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,620 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $400 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, so the prices may be quite 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 Find the Best Toyota Yaris Insurance

Getting lower rates on Toyota Yaris insurance takes being a low-risk driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare rates at least once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a brief recap of the primary concepts that were covered above.

• It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,410 more every year to insure their Yaris
• Increasing physical damage deductibles can save approximately $400 each year
• Teen drivers pay higher prices, as much as $391 a 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.