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 auto insurance rates for a Toyota Yaris are $1,156 annually including full coverage. Comprehensive insurance costs approximately $200 each year, collision costs $338, and liability is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $2,502 or more. Teens cost the most to insure at $4,546 a year or more.

Average premium for full coverage: $1,156

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance prices.

The examples above highlight why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

The chart below breaks down estimated Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $682
• Raising to $1,000 deductibles will save $122 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,156
• Selecting low deductibles costs an additional $236 every year
• At-risk drivers with serious driving violations could pay around $2,502 or more
• Policy cost with full coverage for a teen driver can cost $4,546

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $360 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find rates as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,650 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, so the rates will be varied between companies.

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 Buy Cheaper Toyota Yaris Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a condensed summary of the material that was touched on in this article.

• Policyholders who purchase higher liability limits will pay approximately $510 per year to raise from a 30/60 limit to higher 250/500 limits
• Teenagers are expensive to insure, with premiums being up to $379 each month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,350 more per year for car insurance
• Increasing comprehensive and collision deductibles could save up to $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.