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.

U.S. average insurance prices for a Toyota Yaris are $1,198 every 12 months including full coverage. Comprehensive insurance costs approximately $208 a year, collision insurance costs $376, and liability costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs $2,604 or more. Teen drivers pay the highest rates at up to $4,690 a year.

Average premium for full coverage: $1,198

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Yaris trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why it is important to compare rates using their specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below breaks down average Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $702
• Drivers who choose higher $1,000 deductibles will pay $1,066 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,198
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $260 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,604
• The price to insure a 16-year-old driver can cost $4,690 a year

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Yaris.

Choosing high deductibles could save up to $400 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can cost from 43% to 130% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,710 on average in Louisiana, New York, and Michigan.

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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 Shop for Cheap Toyota Yaris Insurance

Getting lower rates on insurance for a Toyota Yaris not only requires being a good driver, but also having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to compare rates every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a brief summary of the coverage data covered above.

• You may be able to save around $140 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $400 each year
• Drivers age 16 to 20 are the costliest to insure, possibly costing $391 a month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,410 more per year than a safer driver

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.