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

Average premium for full coverage: $1,156

Price estimates for individual coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Yaris models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. Areas with sparse population have lower incidents of collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above demonstrate why everyone should compare rates for a specific zip code, rather than using price averages.

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

Additional Rate Information

The chart below details estimated Toyota Yaris insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $682
• Drivers who choose higher $1,000 deductibles will pay about $122 annually
• The estimated price for the average middle-age driver using $500 deductibles is $1,156
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $236 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,502 or more
• The price that insures a teenage driver for full coverage can be $4,546 a year

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on the model of your Yaris, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,400 to $1,900 extra each year, depending on your age. Toyota Yaris insurance for high-risk drivers can cost around 42% to 135% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,500 a year. View Rates by Age

The state you live in makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,560 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could save up to $360 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, so the prices may be quite 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 Toyota Yaris Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around every couple of years by getting quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the material that was covered above.

• Consumers who may need more liability protection will pay about $510 every year to go from a low limit to the 250/500 level
• Youthful drivers pay higher prices, costing up to $379 a month if full coverage is included
• Drivers who tend to receive serious violations may pay on average $1,350 more every year than a low-risk driver
• Increasing physical damage deductibles can save approximately $350 each year

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.