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 $1,198 a year for full coverage. Comprehensive costs an estimated $208, collision costs $376, and liability coverage costs $456. Liability-only insurance costs as little as $508 a year, with high-risk driver insurance costing around $2,604. Teenage drivers cost the most to insure at $4,690 a year or more.

Average premium for full coverage: $1,198

Policy rates broken down by type of insurance:

Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The example below illustrates how location helps determine insurance prices.

The examples above show why everyone should compare rates for a targeted area and risk profile, rather than using average rates.

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

Additional Charts and Tables

The chart below shows estimated Toyota Yaris insurance rates for other coverage scenarios.

• The best discount rate is $702
• Drivers who choose higher $1,000 deductibles will pay approximately $132 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,198
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,458
• High-risk insureds who are prone to accidents and violations could pay up to $2,604 or more
• Policy cost for full coverage for a teenage driver for full coverage can cost as much as $4,690 a year

View Chart as Image

Auto insurance rates for a Toyota Yaris also range considerably based on your risk profile, the trim level of your Yaris, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,600 a year. View Rates by Age

Your home state makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,710 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $400 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,400 to $2,000 in extra premium every year, depending on your age. Toyota Yaris insurance for high-risk drivers can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, and quoted rates will be varied 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 Cheapest Toyota Yaris Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a recap of the ideas that were covered in the charts and tables above.

• Drivers age 20 and younger are the costliest to insure, costing up to $391 each month if they have full coverage
• Drivers that have major violations or accidents pay an average of $1,410 more annually to buy Toyota Yaris insurance
• Increasing comprehensive and collision deductibles can save around $400 each year
• Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date

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.