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 insurance rates for a Toyota Yaris are $1,156 a year including full coverage. Comprehensive costs an estimated $200 a year, collision costs $338, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing around $2,502. Teenage drivers receive the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Rate estimates broken down by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

These examples highlight why it is important to compare rates for a targeted area, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Toyota Yaris insurance rates for other coverage scenarios.

• The best discount rate is $682
• Drivers who choose higher $1,000 deductibles will pay approximately $1,034 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,156
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,392
• Drivers who are prone to accidents and violations could pay up to $2,502 or more
• The cost that insures a 16-year-old driver can cost as much as $4,546 a year

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age

Where you live makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,650 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $360 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from multiple companies. Every company uses a different method to calculate rates, and rates can be significantly different.

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 the Best Cheap Toyota Yaris Insurance

Saving money on insurance for a Toyota Yaris not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The list below is a quick review of the information presented in the illustrations above.

• You may be able to save approximately $130 per year simply by quoting early and online
• Teenagers are expensive to insure, as much as $379 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $350 each year
• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,350 more annually for car insurance
• Insureds who want higher liability limits will pay an extra $510 per year to go from a minimum 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.