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 $1,156 a year including full coverage. Comprehensive costs on average $200, collision costs $338, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,502. Teenage drivers cost the most to insure at $4,546 a year or more.

Average premium for full coverage: $1,156

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

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

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $682
• Raising to $1,000 deductibles will save around $122 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,156
• Using more expensive low deductibles bumps up the cost to $1,392
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,502 or more
• Policy cost that insures a teen driver with full coverage may cost $4,546

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,500 a year. View Rates by Age

Your home state also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find rates as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,650 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $360 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

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 car insurance consists of being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a condensed summary of the coverage data touched on in the above illustrations.

• You may be able to save as much as $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Teenage drivers pay higher rates, with premiums being up to $379 each month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,350 more each year for auto 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.