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 with full coverage. Comprehensive insurance costs around $208, collision insurance costs $376, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs $2,604 or more. Teenage 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:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities. The example below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $702
• Using higher $1,000 deductibles will save about $132 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,198
• Using pricier low deductibles for physical damage coverage will cost an extra $260 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,604
• Policy cost for full coverage for a 16-year-old driver for full coverage can be $4,690 or more

View Chart as Image

Insurance rates for a Toyota Yaris also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

Your home state has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see rates as low as $860 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,620 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $400 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,400 to $2,000 additional every year, depending on your age. Toyota Yaris insurance for high-risk drivers can be from 43% to 130% more than a normal policy. 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 Cheaper Toyota Yaris Insurance

Finding cheaper rates on insurance for a Toyota Yaris requires avoiding accidents and claims, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a condensed summary of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $140 per year just by quoting online well ahead of the renewal date
• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,410 more every year to insure a Toyota Yaris
• Increasing comprehensive and collision deductibles can save around $400 each year
• Drivers under the age of 20 are charged the highest rates, as much as $391 each month including comprehensive and collision 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. 

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.