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.
Estimated insurance rates for a Toyota Yaris are $1,198 a year with full coverage. Comprehensive insurance costs an estimated $208, collision costs $376, and liability insurance costs around $456. Liability-only insurance costs as low as $508 a year, with high-risk driver insurance costing $2,604 or more. Teens pay the most at $4,690 a year or more.
Average premium for full coverage: $1,198
Premium estimates broken down by type of coverage:
Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all Yaris models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Toyota Yaris go from the low end price of $508 for your basic liability-only policy to the much higher price of $2,604 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.
The example below illustrates the effect of geographic area on insurance prices.
These rate differences demonstrate why everyone should compare prices for a targeted area, rather than relying on averaged prices.
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.
More Rate Information
The chart below details estimated Toyota Yaris insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $702
- Using higher $1,000 deductibles will save approximately $132 annually
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,198
- Selecting pricier low deductibles for physical damage coverage will cost an additional $260 a year
- Drivers with serious driving violations could pay up to $2,604 or more
- An auto insurance policy that insures a teen driver for full coverage can cost as much as $4,690 or more
Insurance prices for a Toyota Yaris also have a wide range based on the model of your Yaris, your age and driving habits, and liability limits and deductibles.
If you have a few violations or you caused an accident, you may be forking out $1,400 to $2,000 additional annually, depending on your age. Toyota Yaris insurance for high-risk drivers can be anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age
Where you choose to live has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see prices 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.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $400 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each insurance company calculates prices differently, and prices will be substantially different.
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 Right Toyota Yaris Insurance
Finding better rates on Toyota Yaris insurance requires not taking risks behind the wheel, having a good credit score, being claim-free, and maximizing policy discounts. Compare rates at every other renewal by requesting quotes from direct companies, and also from insurance agencies where you live.
The following is a quick rundown of the concepts that were covered in the above illustrations.
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,410 more annually for Yaris insurance
- Teens are expensive to insure, possibly costing $391 per month if comprehensive and collision insurance is included
- You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $400 each year
- You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
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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