Toyota Yaris Insurance Rates
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Ted Patestos
Licensed Insurance Adjuster
Theodore (Ted) Patestos is a seasoned innovator and policyholder advocate in the public adjusting industry. With a career dedicated to turning data into actionable insights, Ted has championed tools and strategies that improve transparency, efficiency, and outcomes for both consumers and adjusters. He developed Claim Machine, a platform that uses weather data to help public adjusters, contractors,...
Licensed Insurance Adjuster
UPDATED: Jul 1, 2025
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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 including full coverage. Comprehensive costs an estimated $208, collision costs $376, and liability costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing around $2,604. 16-year-old 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:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Yaris trim levels.
Price Range Variability
Using a middle-aged driver as an example, Toyota Yaris insurance rates go from the low end price of $508 for liability-only coverage to a much higher rate of $2,604 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.
The price range example below illustrates how where you live affects insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below breaks down estimated Toyota Yaris insurance rates for other coverage scenarios.
- The best full coverage rate is $702
- Drivers who choose higher $1,000 deductibles will pay approximately $132 every year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,198
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,458
- Drivers with multiple tickets or accidents could pay up to $2,604 or more
- Policy cost that insures a 16-year-old driver with full coverage can cost as much as $4,690 a year
Insurance rates for a Toyota Yaris also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are likely paying $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can cost from 43% to 130% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age
Your home state makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,710 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,084 | -$114 | -9.5% |
| Alaska | $920 | -$278 | -23.2% |
| Arizona | $996 | -$202 | -16.9% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,368 | $170 | 14.2% |
| Colorado | $1,148 | -$50 | -4.2% |
| Connecticut | $1,232 | $34 | 2.8% |
| Delaware | $1,358 | $160 | 13.4% |
| Florida | $1,500 | $302 | 25.2% |
| Georgia | $1,106 | -$92 | -7.7% |
| Hawaii | $862 | -$336 | -28.0% |
| Idaho | $810 | -$388 | -32.4% |
| Illinois | $894 | -$304 | -25.4% |
| Indiana | $904 | -$294 | -24.5% |
| Iowa | $808 | -$390 | -32.6% |
| Kansas | $1,140 | -$58 | -4.8% |
| Kentucky | $1,636 | $438 | 36.6% |
| Louisiana | $1,776 | $578 | 48.2% |
| Maine | $740 | -$458 | -38.2% |
| Maryland | $988 | -$210 | -17.5% |
| Massachusetts | $958 | -$240 | -20.0% |
| Michigan | $2,084 | $886 | 74.0% |
| Minnesota | $1,004 | -$194 | -16.2% |
| Mississippi | $1,436 | $238 | 19.9% |
| Missouri | $1,064 | -$134 | -11.2% |
| Montana | $1,288 | $90 | 7.5% |
| Nebraska | $944 | -$254 | -21.2% |
| Nevada | $1,438 | $240 | 20.0% |
| New Hampshire | $864 | -$334 | -27.9% |
| New Jersey | $1,340 | $142 | 11.9% |
| New Mexico | $1,062 | -$136 | -11.4% |
| New York | $1,264 | $66 | 5.5% |
| North Carolina | $690 | -$508 | -42.4% |
| North Dakota | $980 | -$218 | -18.2% |
| Ohio | $828 | -$370 | -30.9% |
| Oklahoma | $1,232 | $34 | 2.8% |
| Oregon | $1,098 | -$100 | -8.3% |
| Pennsylvania | $1,144 | -$54 | -4.5% |
| Rhode Island | $1,600 | $402 | 33.6% |
| South Carolina | $1,086 | -$112 | -9.3% |
| South Dakota | $1,012 | -$186 | -15.5% |
| Tennessee | $1,050 | -$148 | -12.4% |
| Texas | $1,446 | $248 | 20.7% |
| Utah | $888 | -$310 | -25.9% |
| Vermont | $822 | -$376 | -31.4% |
| Virginia | $720 | -$478 | -39.9% |
| Washington | $928 | -$270 | -22.5% |
| West Virginia | $1,100 | -$98 | -8.2% |
| Wisconsin | $830 | -$368 | -30.7% |
| Wyoming | $1,070 | -$128 | -10.7% |

Opting for high physical damage deductibles could save up to $400 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Every company utilizes a different rate formula, and rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Yaris 2-Dr Hatchback | $1,244 | $104 |
| Toyota Yaris 4-Dr Hatchback | $1,188 | $99 |
| Toyota Yaris 4-Dr Sedan | $1,188 | $99 |
| Toyota Yaris S 2-Dr Hatchback | $1,278 | $107 |
| Toyota Yaris S 4-Dr Hatchback | $1,222 | $102 |
| Toyota Yaris S 4-Dr Sedan | $1,222 | $102 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota Yaris | $226 | $430 | $442 | $1,256 |
| 2019 Toyota Yaris | $218 | $400 | $452 | $1,228 |
| 2018 Toyota Yaris | $208 | $376 | $456 | $1,198 |
| 2017 Toyota Yaris | $200 | $338 | $460 | $1,156 |
| 2016 Toyota Yaris | $188 | $310 | $460 | $1,116 |
| 2014 Toyota Yaris | $176 | $272 | $474 | $1,080 |
| 2013 Toyota Yaris | $164 | $252 | $474 | $1,048 |
| 2012 Toyota Yaris | $158 | $228 | $478 | $1,022 |
| 2009 Toyota Yaris | $134 | $170 | $468 | $930 |
| 2008 Toyota Yaris | $132 | $166 | $460 | $916 |
| 2007 Toyota Yaris | $130 | $160 | $452 | $900 |
Rates are averaged for all Toyota Yaris models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Toyota Yaris Insurance
Finding cheaper rates on insurance for a Toyota Yaris not only requires having a decent driving record, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
The following items are a brief recap of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,410 more annually than a driver with a clean driving record
- You may be able to save approximately $140 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $400 each year
- Insureds who want additional liability coverage will pay around $500 per year to go from a 30/60 limit to the 250/500 level
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,690 |
| 20 | $2,778 |
| 30 | $1,236 |
| 40 | $1,198 |
| 50 | $1,098 |
| 60 | $1,078 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,458 |
| $250 | $1,336 |
| $500 | $1,198 |
| $1,000 | $1,066 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,313 |
| 100/300 | $1,427 |
| 250/500 | $1,724 |
| 100 CSL | $1,359 |
| 300 CSL | $1,610 |
| 500 CSL | $1,792 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,654 |
| 20 | $4,430 |
| 30 | $2,640 |
| 40 | $2,604 |
| 50 | $2,488 |
| 60 | $2,466 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $62 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $83 |
| Total Discounts | $496 |
Discounts are estimated and may not be available from every company or in every state.
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