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.

Estimated insurance rates for a Toyota Yaris are $1,198 a year for full coverage insurance. Comprehensive costs approximately $208 a year, collision insurance costs $376, and liability coverage is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs around $2,604. Teenage drivers pay the most at up to $4,690 a year.

Average premium for full coverage: $1,198

Premium estimates by type of coverage:

Prices include $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences illustrate why it is important to get quotes using their specific location and risk profile, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $702
• Choosing higher $1,000 deductibles can save $1,066 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,198
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,458
• Drivers who are prone to accidents and violations could pay around $2,604
• An auto insurance policy for full coverage for a teenage driver can cost $4,690 each year

View Chart as Image

Insurance prices for a Toyota Yaris also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,620 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $400 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

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 Right Toyota Yaris Insurance

Finding better rates on auto insurance takes having a good driving record, maintaining good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a quick rundown of the primary concepts that were raised in the charts and tables above.

• It is possible to save around $140 per year just by quoting early and online
• Drivers with reckless driving or DUI convictions may pay on average $1,410 more per year to buy Toyota Yaris insurance
• Increasing policy deductibles can save around $400 each year
• Drivers age 20 and younger are expensive to insure, with premiums being up to $391 per month for full coverage

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.