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.

The average insurance prices for a Toyota Yaris are $1,156 every 12 months for full coverage insurance. Comprehensive insurance costs around $200, collision insurance costs $338, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,502 or more. Teens cost the most to insure at up to $4,546 a year.

Average premium for full coverage: $1,156

Policy rates for type of insurance:

These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance rates.

The examples above illustrate why everyone should compare prices for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below illustrates average Toyota Yaris insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $682
• Using higher $1,000 deductibles will save about $122 each year
• The average price for a good driver age 40 using $500 deductibles is $1,156
• Selecting pricier low deductibles for physical damage coverage costs an extra $236 annually
• High-risk insureds with serious driving violations could pay at least $2,502
• Policy cost to insure a 16-year-old driver for full coverage can be $4,546 or more

View Chart as Image

Car insurance rates for a Toyota Yaris also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $360 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,400 to $1,900 extra every year, depending on your age. Toyota Yaris insurance for high-risk drivers can be from 42% to 135% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,560 on average in Michigan, New York, and Florida.

View Chart as Image

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 Shop for Cheap Toyota Yaris Insurance

Finding cheaper rates on insurance for a Toyota Yaris requires being a safe and courteous driver, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Invest time comparing rates at least every other year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a brief summary of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,350 more every year for auto insurance
• It is possible to save up to $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Insureds who may need higher levels of liability will pay approximately $510 annually to increase from a 30/60 limit to a 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.