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 $1,156 a year including full coverage. Comprehensive costs on average $200, collision costs $338, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $2,502. Teen drivers pay the most at $4,546 a year or more.
Average premium for full coverage: $1,156
Premium estimates by type of coverage:
Price estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Yaris models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Toyota Yaris go from the low end price of $510 for just liability insurance to the much higher price of $2,502 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates how where you live affects car insurance rates.
These rate differences highlight why everyone should compare rates quotes based on a specific location, instead of using price 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.
More Rate Details
The chart below breaks down estimated Toyota Yaris insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $682
- Raising to $1,000 deductibles will save around $122 every year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,156
- Choosing pricier low deductibles bumps up the cost to $1,392
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,502 or more
- An auto insurance policy that insures a teen driver for full coverage may cost $4,546
Insurance prices for a Toyota Yaris also have a wide range based on the model of your Yaris, your driving record and age, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are likely paying at a minimum $1,400 to $1,900 additional annually, depending on your age. Toyota Yaris insurance for high-risk drivers is expensive and can cost as much as 42% to 135% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $4,500 a year. View Rates by Age
Where you choose to live also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find prices as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,650 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,046 | -$110 | -9.5% |
| Alaska | $886 | -$270 | -23.4% |
| Arizona | $960 | -$196 | -17.0% |
| Arkansas | $1,156 | -$0 | 0.0% |
| California | $1,316 | $160 | 13.8% |
| Colorado | $1,106 | -$50 | -4.3% |
| Connecticut | $1,188 | $32 | 2.8% |
| Delaware | $1,308 | $152 | 13.1% |
| Florida | $1,446 | $290 | 25.1% |
| Georgia | $1,066 | -$90 | -7.8% |
| Hawaii | $830 | -$326 | -28.2% |
| Idaho | $782 | -$374 | -32.4% |
| Illinois | $862 | -$294 | -25.4% |
| Indiana | $868 | -$288 | -24.9% |
| Iowa | $780 | -$376 | -32.5% |
| Kansas | $1,098 | -$58 | -5.0% |
| Kentucky | $1,576 | $420 | 36.3% |
| Louisiana | $1,710 | $554 | 47.9% |
| Maine | $714 | -$442 | -38.2% |
| Maryland | $954 | -$202 | -17.5% |
| Massachusetts | $926 | -$230 | -19.9% |
| Michigan | $2,008 | $852 | 73.7% |
| Minnesota | $968 | -$188 | -16.3% |
| Mississippi | $1,384 | $228 | 19.7% |
| Missouri | $1,026 | -$130 | -11.2% |
| Montana | $1,240 | $84 | 7.3% |
| Nebraska | $912 | -$244 | -21.1% |
| Nevada | $1,386 | $230 | 19.9% |
| New Hampshire | $834 | -$322 | -27.9% |
| New Jersey | $1,294 | $138 | 11.9% |
| New Mexico | $1,024 | -$132 | -11.4% |
| New York | $1,218 | $62 | 5.4% |
| North Carolina | $666 | -$490 | -42.4% |
| North Dakota | $946 | -$210 | -18.2% |
| Ohio | $798 | -$358 | -31.0% |
| Oklahoma | $1,188 | $32 | 2.8% |
| Oregon | $1,060 | -$96 | -8.3% |
| Pennsylvania | $1,102 | -$54 | -4.7% |
| Rhode Island | $1,542 | $386 | 33.4% |
| South Carolina | $1,048 | -$108 | -9.3% |
| South Dakota | $974 | -$182 | -15.7% |
| Tennessee | $1,014 | -$142 | -12.3% |
| Texas | $1,392 | $236 | 20.4% |
| Utah | $856 | -$300 | -26.0% |
| Vermont | $790 | -$366 | -31.7% |
| Virginia | $692 | -$464 | -40.1% |
| Washington | $894 | -$262 | -22.7% |
| West Virginia | $1,060 | -$96 | -8.3% |
| Wisconsin | $800 | -$356 | -30.8% |
| Wyoming | $1,030 | -$126 | -10.9% |
Choosing high deductibles can reduce prices by up to $360 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Yaris 2-Dr Hatchback | $1,206 | $101 |
| Toyota Yaris 4-Dr Hatchback | $1,146 | $96 |
| Toyota Yaris 4-Dr Sedan | $1,146 | $96 |
| Toyota Yaris S 2-Dr Hatchback | $1,238 | $103 |
| Toyota Yaris S 4-Dr Hatchback | $1,176 | $98 |
| Toyota Yaris S 4-Dr Sedan | $1,176 | $98 |
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 | $218 | $400 | $452 | $1,228 |
| 2019 Toyota Yaris | $208 | $376 | $456 | $1,198 |
| 2018 Toyota Yaris | $200 | $338 | $460 | $1,156 |
| 2017 Toyota Yaris | $188 | $310 | $460 | $1,116 |
| 2016 Toyota Yaris | $180 | $292 | $464 | $1,094 |
| 2014 Toyota Yaris | $164 | $252 | $474 | $1,048 |
| 2013 Toyota Yaris | $158 | $228 | $478 | $1,022 |
| 2012 Toyota Yaris | $148 | $210 | $474 | $990 |
| 2009 Toyota Yaris | $132 | $166 | $460 | $916 |
| 2008 Toyota Yaris | $130 | $160 | $452 | $900 |
| 2007 Toyota Yaris | $120 | $152 | $446 | $876 |
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 Cheaper Toyota Yaris Insurance
Finding better rates on car insurance consists of having a good driving record, having a good credit score, refrain from filing small claims, and insuring your home and auto with the same company. Shop around once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The next list is a condensed summary of the data that was touched on in the above illustrations.
- You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
- Policyholders who require increased levels of liability coverage will pay about $510 per year to raise from 30/60 bodily injury limits to the 250/500 level
- Drivers age 20 and younger pay higher prices, with the cost nearing $379 per month if comprehensive and collision insurance is included
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,350 more each year to buy Toyota Yaris insurance
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 | $4,546 |
| 20 | $2,668 |
| 30 | $1,186 |
| 40 | $1,156 |
| 50 | $1,060 |
| 60 | $1,038 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,392 |
| $250 | $1,282 |
| $500 | $1,156 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,156 |
| 50/100 | $1,268 |
| 100/300 | $1,383 |
| 250/500 | $1,682 |
| 100 CSL | $1,314 |
| 300 CSL | $1,567 |
| 500 CSL | $1,751 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,438 |
| 20 | $4,254 |
| 30 | $2,538 |
| 40 | $2,502 |
| 50 | $2,394 |
| 60 | $2,372 |
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 | $60 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $80 |
| Total Discounts | $474 |
Discounts are estimated and may not be available from every company or in every state.
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