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.

Average insurance rates for a Toyota Yaris are $1,156 a year with full coverage. Comprehensive insurance costs around $200 each year, collision insurance costs $338, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $2,502 or more. Teenage drivers receive the highest rates at up to $4,546 a year.

Average premium for full coverage: $1,156

Rate estimates for individual coverage type:

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Yaris models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

These examples demonstrate why all drivers should compare prices for a specific zip code, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $682
• Using higher $1,000 deductibles will save about $122 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,156
• Using low deductibles for physical damage coverage will cost an additional $236 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,502
• The cost that insures a 16-year-old driver can be $4,546 or more

View Chart as Image

Car insurance rates for a Toyota Yaris can also vary considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can be from 42% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,500 a year. View Rates by Age

Where you live has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,560 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $360 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

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 Cheap Toyota Yaris Insurance

Saving money on insurance for a Toyota Yaris requires having a good driving record, having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Compare prices every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief summary of the information touched on above.

• You may be able to save up to $130 per year just by quoting online in advance
• Drivers age 20 and younger are the costliest to insure, with premiums as much as $379 per month if full coverage is purchased
• Increasing deductibles can save approximately $350 each year
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,350 more every year to buy Toyota Yaris insurance
• Insureds who may need increased levels of liability coverage will pay an extra $510 every year to increase from a minimum limit to the 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.