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 $1,198 a year with full coverage. Comprehensive costs approximately $208, collision insurance costs $376, and liability costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs around $2,604. 16-year-old drivers pay the highest rates at up to $4,690 a year.

Average premium for full coverage: $1,198

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Yaris trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than congested cities. The price range example below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates using their specific location, instead of using rate averages.

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

Additional Rate Analysis

The chart below details average Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $702
• Drivers who choose higher $1,000 deductibles will pay $132 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,198
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,458
• Higher-risk drivers with multiple tickets or accidents could pay around $2,604
• The price that insures a teen driver with full coverage can cost $4,690 a year

View Chart as Image

Auto insurance prices for a Toyota Yaris are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,600 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could save up to $400 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

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

Getting lower rates on car insurance not only requires being a low-risk driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop at least every other year by getting rate quotes from direct companies, and also from local insurance agencies.

The items below are a summary of the car insurance concepts presented in the illustrations above.

• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,410 more per year to insure their Yaris
• You may be able to save around $140 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $400 each year
• Policyholders who purchase more liability coverage will pay around $500 every year to go from a low 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. 

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.