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.

Average auto insurance rates for a Toyota Yaris are $1,198 annually with full coverage. Comprehensive costs an estimated $208 a year, collision insurance costs $376, and liability coverage costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs around $2,604. Teens receive the highest rates at up to $4,690 a year.

Average premium for full coverage: $1,198

Rate estimates broken down by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Yaris trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, rather than using averaged prices.

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

Additional Charts and Tables

The chart below details average Toyota Yaris insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $702
• Drivers who choose higher $1,000 deductibles will pay approximately $1,066 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,198
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,458
• High-risk insureds with serious driving violations could pay up to $2,604
• The cost with full coverage for a teenage driver can cost as much as $4,690 a year

View Chart as Image

Car insurance rates for a Toyota Yaris can also vary considerably based on the trim level of your Yaris, your driving record, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $400 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,620 on average in New York, Michigan, and Florida.

View Chart as Image

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 Buy the Best Toyota Yaris Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Set aside time to compare rates every couple of years by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief recap of the material that was covered above.

• Consumers who want more liability coverage will pay approximately $500 every year to go from a minimum limit to higher 250/500 limits
• Teen drivers have the highest car insurance rates, with premiums as much as $391 per month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations pay on average $1,410 more annually to insure their Yaris
• Increasing deductibles could save up to $400 each year

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.