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 auto insurance rates for a Toyota Yaris are $1,156 annually with full coverage. Comprehensive costs on average $200, collision insurance costs $338, and liability coverage costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs around $2,502. Teens receive the highest rates at up to $4,546 a year.

Average premium for full coverage: $1,156

Rate estimates by individual coverage type:

Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for different Yaris trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas tend to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Information

The chart below details average Toyota Yaris insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $682
• Drivers who choose higher $1,000 deductibles will pay around $122 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,156
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,392
• High-risk insureds with serious driving violations could pay upwards of $2,502
• The cost with full coverage for a teenage driver with full coverage may cost $4,546 a year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,400 to $1,900 additional per year, depending on your age. High-risk driver insurance can cost around 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $360 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,560 on average in Florida, Michigan, and New York.

View Chart as Image

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 Buy Affordable Toyota Yaris Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a brief review of the information illustrated above.

• You may be able to save as much as $130 per year just by shopping early and online
• Teenage drivers pay higher rates, with premiums as much as $379 per month if they have full coverage
• Increasing deductibles could save up to $350 each year
• Drivers with DUI or reckless driving convictions pay an average of $1,350 more each year for auto insurance
• Consumers who require higher levels of liability will pay approximately $510 every year to go from a minimum limit to higher 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.