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 prices for a Toyota Yaris are $1,198 every 12 months including full coverage. Comprehensive costs on average $208, collision costs $376, and liability is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $2,604. Teen drivers cost the most to insure at $4,690 a year or more.

Average premium for full coverage: $1,198

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Yaris models.

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 more infrequent comprehensive and collision claims than larger metro areas.

The example below illustrates how location impacts car insurance rates.

The examples above highlight why everyone should compare rates quotes based on a specific location and their own driving history, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $702
• Raising to $1,000 deductibles will save around $132 every year
• The average price for a good driver age 40 with $500 deductibles is $1,198
• Choosing pricier low deductibles increases the price to $1,458
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,604 or more
• Policy cost to insure a teen driver for full coverage may cost $4,690

View Chart as Image

Insurance rates for a Toyota Yaris also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Yaris.

Choosing high deductibles can reduce rates by up to $400 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 additional every year, depending on your age. Toyota Yaris insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than average. View High Risk Driver Rates

Your home state also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find rates as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,710 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, 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 Shop for the Best Cheap Toyota Yaris Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Spend time shopping around at every policy renewal by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below is a quick review of the data touched on above.

• Policyholders who require higher levels of liability will pay about $500 per year to raise from a 30/60 limit to a 250/500 level
• You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• Teenage drivers pay higher rates, with premiums being up to $391 each month if full coverage is included

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.