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.

Estimated insurance rates for a Toyota Yaris are $1,156 a year including full coverage. Comprehensive insurance costs around $200 a year, collision insurance costs $338, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $2,502 or more. Teenage drivers pay the most at up to $4,546 a year.

Average premium for full coverage: $1,156

Premium estimates for type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

These rate differences highlight why it is important to compare prices for a specific zip code and risk profile, 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 average Toyota Yaris insurance rates for additional coverage choices and driver risks.

• The best discount rate is $682
• Using higher $1,000 deductibles will save about $1,034 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,156
• Using low $100 deductibles for physical damage coverage will cost an extra $236 every year
• Drivers who are prone to accidents and violations could pay at least $2,502
• An auto insurance policy for full coverage for a teen driver can be $4,546 or more

View Chart as Image

Insurance prices for a Toyota Yaris also have a wide range based on your driving characteristics, the model of your Yaris, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $4,500 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see prices 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 could cut prices by as much as $360 every year, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

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 More Affordable Toyota Yaris Insurance

Finding better rates on car insurance requires avoiding accidents and violations, maintaining good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a summary of the information touched on above.

• You may be able to save up to $130 per year just by quoting early and online
• Teenagers pay higher prices, with the cost nearing $379 per month for full coverage
• Increasing policy deductibles can save around $350 each year
• Higher risk drivers who have multiple accidents or major violations pay on average $1,350 more every year for car insurance
• Policyholders who may need higher liability limits will pay an extra $510 per year to increase from 30/60 bodily injury limits to 250/500 limits

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.