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.

The average insurance rates for a Toyota Yaris are $1,198 a year for full coverage. Comprehensive costs around $208, collision insurance costs $376, and liability costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs around $2,604. Teen drivers cost the most to insure at up to $4,690 a year.

Average premium for full coverage: $1,198

Policy rates for type of insurance:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

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

More Rate Information

The chart below shows average Toyota Yaris insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $702
• Drivers who choose higher $1,000 deductibles will pay about $132 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,198
• Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,458
• Drivers with multiple violations and an at-fault accident could pay at least $2,604
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $4,690 a year

View Chart as Image

Auto insurance rates for a Toyota Yaris also range considerably based on your risk profile, the trim level of your Yaris, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

Your home state makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,710 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $400 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can cost from 43% to 130% more than average. View High Risk Driver Rates

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 Cheap Toyota Yaris Insurance

Finding cheaper rates on insurance for a Toyota Yaris not only requires avoiding accidents and claims, but also having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a brief summary of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,410 more every year to insure a Toyota Yaris
• Drivers can save up to $140 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $400 each year
• Insureds who may need increased liability limits will pay about $500 each year to go from a 30/60 limit to 250/500 limits

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.