Toyota Yaris Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 prices for a Toyota Yaris are $1,156 every 12 months for full coverage insurance. Comprehensive costs on average $200 each year, collision costs $338, and liability coverage costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $2,502. 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:
Includes $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Yaris models.
Price Range from Low to High
Using a middle-aged driver as an example, Toyota Yaris insurance prices go from the cheapest price of $510 for minimum levels of liability insurance to a high rate of $2,502 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than larger metro areas.
The graphic below illustrates how where you live affects car insurance rates.
The ranges above illustrate why all drivers should compare prices based on a specific location and their own driving history, rather than using price 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 Rate Details
The chart below illustrates estimated Toyota Yaris insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $682
- Using higher $1,000 deductibles will save around $122 each year
- The average price for the average middle-age driver with $500 deductibles is $1,156
- Choosing low deductibles for physical damage coverage increases the price to $1,392
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,502 or more
- The price to insure a teenage driver may cost $4,546 or more
Insurance prices for a Toyota Yaris are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Yaris.
Choosing high deductibles could cut prices by as much as $360 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can be around 42% to 135% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,046 | -$110 | -9.5% |
| Alaska | $886 | -$270 | -23.4% |
| Arizona | $960 | -$196 | -17.0% |
| Arkansas | $1,156 | -$0 | 0.0% |
| California | $1,316 | $160 | 13.8% |
| Colorado | $1,106 | -$50 | -4.3% |
| Connecticut | $1,188 | $32 | 2.8% |
| Delaware | $1,308 | $152 | 13.1% |
| Florida | $1,446 | $290 | 25.1% |
| Georgia | $1,066 | -$90 | -7.8% |
| Hawaii | $830 | -$326 | -28.2% |
| Idaho | $782 | -$374 | -32.4% |
| Illinois | $862 | -$294 | -25.4% |
| Indiana | $868 | -$288 | -24.9% |
| Iowa | $780 | -$376 | -32.5% |
| Kansas | $1,098 | -$58 | -5.0% |
| Kentucky | $1,576 | $420 | 36.3% |
| Louisiana | $1,710 | $554 | 47.9% |
| Maine | $714 | -$442 | -38.2% |
| Maryland | $954 | -$202 | -17.5% |
| Massachusetts | $926 | -$230 | -19.9% |
| Michigan | $2,008 | $852 | 73.7% |
| Minnesota | $968 | -$188 | -16.3% |
| Mississippi | $1,384 | $228 | 19.7% |
| Missouri | $1,026 | -$130 | -11.2% |
| Montana | $1,240 | $84 | 7.3% |
| Nebraska | $912 | -$244 | -21.1% |
| Nevada | $1,386 | $230 | 19.9% |
| New Hampshire | $834 | -$322 | -27.9% |
| New Jersey | $1,294 | $138 | 11.9% |
| New Mexico | $1,024 | -$132 | -11.4% |
| New York | $1,218 | $62 | 5.4% |
| North Carolina | $666 | -$490 | -42.4% |
| North Dakota | $946 | -$210 | -18.2% |
| Ohio | $798 | -$358 | -31.0% |
| Oklahoma | $1,188 | $32 | 2.8% |
| Oregon | $1,060 | -$96 | -8.3% |
| Pennsylvania | $1,102 | -$54 | -4.7% |
| Rhode Island | $1,542 | $386 | 33.4% |
| South Carolina | $1,048 | -$108 | -9.3% |
| South Dakota | $974 | -$182 | -15.7% |
| Tennessee | $1,014 | -$142 | -12.3% |
| Texas | $1,392 | $236 | 20.4% |
| Utah | $856 | -$300 | -26.0% |
| Vermont | $790 | -$366 | -31.7% |
| Virginia | $692 | -$464 | -40.1% |
| Washington | $894 | -$262 | -22.7% |
| West Virginia | $1,060 | -$96 | -8.3% |
| Wisconsin | $800 | -$356 | -30.8% |
| Wyoming | $1,030 | -$126 | -10.9% |
Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Yaris 2-Dr Hatchback | $1,206 | $101 |
| Toyota Yaris 4-Dr Hatchback | $1,146 | $96 |
| Toyota Yaris 4-Dr Sedan | $1,146 | $96 |
| Toyota Yaris S 2-Dr Hatchback | $1,238 | $103 |
| Toyota Yaris S 4-Dr Hatchback | $1,176 | $98 |
| Toyota Yaris S 4-Dr Sedan | $1,176 | $98 |
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 | $218 | $400 | $452 | $1,228 |
| 2019 Toyota Yaris | $208 | $376 | $456 | $1,198 |
| 2018 Toyota Yaris | $200 | $338 | $460 | $1,156 |
| 2017 Toyota Yaris | $188 | $310 | $460 | $1,116 |
| 2016 Toyota Yaris | $180 | $292 | $464 | $1,094 |
| 2014 Toyota Yaris | $164 | $252 | $474 | $1,048 |
| 2013 Toyota Yaris | $158 | $228 | $478 | $1,022 |
| 2012 Toyota Yaris | $148 | $210 | $474 | $990 |
| 2009 Toyota Yaris | $132 | $166 | $460 | $916 |
| 2008 Toyota Yaris | $130 | $160 | $452 | $900 |
| 2007 Toyota Yaris | $120 | $152 | $446 | $876 |
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 Shop for the Cheapest Toyota Yaris Insurance
Getting lower rates on auto insurance requires having a good driving record, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a recap of the data that was touched on in the above illustrations.
- It is possible to save as much as $130 per year simply by quoting online in advance
- Consumers who require increased levels of liability coverage will pay about $510 annually to increase from a low limit to a 250/500 level
- Drivers age 20 and younger pay higher prices, as much as $379 a month if full coverage is included
- Drivers that have major violations or accidents pay on average $1,350 more each year to buy Toyota Yaris 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.
Compare Quotes From Top Companies and SaveFree Car Insurance Comparison
Secured with SHA-256 Encryption
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 | $4,546 |
| 20 | $2,668 |
| 30 | $1,186 |
| 40 | $1,156 |
| 50 | $1,060 |
| 60 | $1,038 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,392 |
| $250 | $1,282 |
| $500 | $1,156 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,156 |
| 50/100 | $1,268 |
| 100/300 | $1,383 |
| 250/500 | $1,682 |
| 100 CSL | $1,314 |
| 300 CSL | $1,567 |
| 500 CSL | $1,751 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,438 |
| 20 | $4,254 |
| 30 | $2,538 |
| 40 | $2,502 |
| 50 | $2,394 |
| 60 | $2,372 |
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 | $60 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $80 |
| Total Discounts | $474 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
