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 rates for a Toyota Yaris are $1,156 a year for full coverage insurance. Comprehensive insurance costs on average $200 a year, collision costs $338, and liability is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $2,502 or more. Teen drivers pay the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Yaris trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas have a lower frequency of physical damage claims than larger metro areas.

The diagram below illustrates how rural and urban location affects car insurance rates.

The ranges above illustrate why it is important to compare rates quotes based on a specific location and risk profile, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $682
• Raising to $1,000 deductibles will save around $1,034 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,156
• Choosing low $100 deductibles will cost an extra $236 every year
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,502 or more
• The price for full coverage for a teen driver may cost $4,546

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

The state you live in also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find prices as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,560 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can reduce prices by up to $360 every year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 135% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices may be quite 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 Right Toyota Yaris Insurance

Getting lower rates on car insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a quick rundown of the coverage data raised in the charts and tables above.

• It is possible to save as much as $130 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $350 each year
• Teenagers pay higher prices, as much as $379 a month including comprehensive and collision insurance
• Higher risk drivers with reckless driving or DUI convictions pay an average of $1,350 more each year for car 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.