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.

Estimated insurance rates for a Toyota Yaris are $1,198 a year with full coverage. Comprehensive costs on average $208, collision costs $376, and liability costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing around $2,604. 16-year-old drivers pay the most at $4,690 a year or more.

Average premium for full coverage: $1,198

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all Yaris models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than congested cities.

The example below illustrates how where you live affects car insurance rates.

These rate differences demonstrate why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $702
• Using higher $1,000 deductibles will save around $132 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,198
• Buying pricier low deductibles for physical damage coverage will increase the cost to $1,458
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,604 or more
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $4,690 or more

View Chart as Image

Insurance prices for a Toyota Yaris also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see prices as low as $860 a year in states like New Hampshire, Ohio, and Utah, or at least $1,620 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $400 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 extra annually, depending on your age. Toyota Yaris insurance for high-risk drivers can be from 43% to 130% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, so the prices will be substantially 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 the Best Cheap Toyota Yaris Insurance

Finding better rates on insurance for a Toyota Yaris requires avoiding accidents and violations, maintaining good credit, being claim-free, and bundling your home and auto policies. Take the time to comparison shop at least once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a quick review of the primary concepts that were touched on in the above illustrations.

• You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,410 more each year for car insurance
• Increasing policy deductibles can save around $400 each year
• Teenagers pay the highest prices, possibly costing $391 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.