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 rates for a Toyota Yaris are $1,156 a year for full coverage. Comprehensive costs around $200 a year, collision costs $338, and liability costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,502. Teens receive the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Rate estimates for individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Yaris trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance rates.

These examples show why it is important to compare prices for a specific zip code and risk profile, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $682
• Using higher $1,000 deductibles will save about $1,034 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,156
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,392
• Drivers with serious driving violations could pay at least $2,502 or more
• The cost for full coverage for a teen driver can be $4,546 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $4,500 a year. View Rates by Age

Where you live has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,650 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $360 every year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 135% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, so the rates can be significantly different from one company to the next.

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 Cheaper Toyota Yaris Insurance

Saving money on car insurance requires having a decent driving record, maintaining good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Invest the time to compare rates at every policy renewal by getting rate quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following items are a condensed summary of the data presented in the illustrations above.

• Policyholders who may need additional liability coverage will pay approximately $510 each year to increase from a minimum limit to 250/500 limits
• Drivers can save up to $130 per year simply by quoting early and online
• Increasing deductibles can save around $350 each year
• 16 to 18-year-old drivers pay higher rates, costing as high as $379 per month for full coverage

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.