Toyota Yaris Insurance Rates
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Ted Patestos
Licensed Insurance Adjuster
Theodore (Ted) Patestos is a seasoned innovator and policyholder advocate in the public adjusting industry. With a career dedicated to turning data into actionable insights, Ted has championed tools and strategies that improve transparency, efficiency, and outcomes for both consumers and adjusters. He developed Claim Machine, a platform that uses weather data to help public adjusters, contractors,...
Licensed Insurance Adjuster
UPDATED: Jul 1, 2025
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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 for full coverage insurance. Comprehensive insurance costs an estimated $200, collision costs $338, and liability coverage costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,502 or more. 16-year-old drivers cost the most to insure at $4,546 a year or more.
Average premium for full coverage: $1,156
Policy rates broken down by type of insurance:
Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Yaris models.
Price Range Variability
For the normal driver, Toyota Yaris insurance rates go from as cheap as $510 for just liability insurance to the much higher price of $2,502 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a large influence on the price of insurance. More rural locations are shown to have fewer physical damage claims than congested cities.
The example below illustrates how geographic area affects insurance prices.
The examples above illustrate why everyone should compare prices for a targeted area and their own personal driving habits, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates estimated Toyota Yaris insurance rates for other coverage scenarios.
- The best full coverage rate is $682
- Using higher $1,000 deductibles will save approximately $122 each year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,156
- Buying pricier low deductibles for physical damage coverage costs an additional $236 each year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,502 or more
- Policy cost with full coverage for a teenage driver for full coverage can cost as much as $4,546 or more
Car insurance rates for a Toyota Yaris also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $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 probably paying $1,400 to $1,900 extra every year, depending on your age. Toyota Yaris insurance for high-risk drivers can be around 42% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $360 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see rates as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,560 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,046 | -$110 | -9.5% |
| Alaska | $886 | -$270 | -23.4% |
| Arizona | $960 | -$196 | -17.0% |
| Arkansas | $1,156 | -$0 | 0.0% |
| California | $1,316 | $160 | 13.8% |
| Colorado | $1,106 | -$50 | -4.3% |
| Connecticut | $1,188 | $32 | 2.8% |
| Delaware | $1,308 | $152 | 13.1% |
| Florida | $1,446 | $290 | 25.1% |
| Georgia | $1,066 | -$90 | -7.8% |
| Hawaii | $830 | -$326 | -28.2% |
| Idaho | $782 | -$374 | -32.4% |
| Illinois | $862 | -$294 | -25.4% |
| Indiana | $868 | -$288 | -24.9% |
| Iowa | $780 | -$376 | -32.5% |
| Kansas | $1,098 | -$58 | -5.0% |
| Kentucky | $1,576 | $420 | 36.3% |
| Louisiana | $1,710 | $554 | 47.9% |
| Maine | $714 | -$442 | -38.2% |
| Maryland | $954 | -$202 | -17.5% |
| Massachusetts | $926 | -$230 | -19.9% |
| Michigan | $2,008 | $852 | 73.7% |
| Minnesota | $968 | -$188 | -16.3% |
| Mississippi | $1,384 | $228 | 19.7% |
| Missouri | $1,026 | -$130 | -11.2% |
| Montana | $1,240 | $84 | 7.3% |
| Nebraska | $912 | -$244 | -21.1% |
| Nevada | $1,386 | $230 | 19.9% |
| New Hampshire | $834 | -$322 | -27.9% |
| New Jersey | $1,294 | $138 | 11.9% |
| New Mexico | $1,024 | -$132 | -11.4% |
| New York | $1,218 | $62 | 5.4% |
| North Carolina | $666 | -$490 | -42.4% |
| North Dakota | $946 | -$210 | -18.2% |
| Ohio | $798 | -$358 | -31.0% |
| Oklahoma | $1,188 | $32 | 2.8% |
| Oregon | $1,060 | -$96 | -8.3% |
| Pennsylvania | $1,102 | -$54 | -4.7% |
| Rhode Island | $1,542 | $386 | 33.4% |
| South Carolina | $1,048 | -$108 | -9.3% |
| South Dakota | $974 | -$182 | -15.7% |
| Tennessee | $1,014 | -$142 | -12.3% |
| Texas | $1,392 | $236 | 20.4% |
| Utah | $856 | -$300 | -26.0% |
| Vermont | $790 | -$366 | -31.7% |
| Virginia | $692 | -$464 | -40.1% |
| Washington | $894 | -$262 | -22.7% |
| West Virginia | $1,060 | -$96 | -8.3% |
| Wisconsin | $800 | -$356 | -30.8% |
| Wyoming | $1,030 | -$126 | -10.9% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Yaris 2-Dr Hatchback | $1,206 | $101 |
| Toyota Yaris 4-Dr Hatchback | $1,146 | $96 |
| Toyota Yaris 4-Dr Sedan | $1,146 | $96 |
| Toyota Yaris S 2-Dr Hatchback | $1,238 | $103 |
| Toyota Yaris S 4-Dr Hatchback | $1,176 | $98 |
| Toyota Yaris S 4-Dr Sedan | $1,176 | $98 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota Yaris | $218 | $400 | $452 | $1,228 |
| 2019 Toyota Yaris | $208 | $376 | $456 | $1,198 |
| 2018 Toyota Yaris | $200 | $338 | $460 | $1,156 |
| 2017 Toyota Yaris | $188 | $310 | $460 | $1,116 |
| 2016 Toyota Yaris | $180 | $292 | $464 | $1,094 |
| 2014 Toyota Yaris | $164 | $252 | $474 | $1,048 |
| 2013 Toyota Yaris | $158 | $228 | $478 | $1,022 |
| 2012 Toyota Yaris | $148 | $210 | $474 | $990 |
| 2009 Toyota Yaris | $132 | $166 | $460 | $916 |
| 2008 Toyota Yaris | $130 | $160 | $452 | $900 |
| 2007 Toyota Yaris | $120 | $152 | $446 | $876 |
Rates are averaged for all Toyota Yaris models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Toyota Yaris Insurance
Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to compare rates every other policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a brief recap of the ideas that were presented in the illustrations above.
- Teens have the highest car insurance rates, possibly costing $379 each month if comprehensive and collision insurance is included
- Drivers who tend to receive serious violations may pay on average $1,350 more annually for Yaris insurance
- Increasing comprehensive and collision deductibles could save up to $350 each year
- It is possible to save approximately $130 per year simply by quoting online well ahead of the renewal date
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,546 |
| 20 | $2,668 |
| 30 | $1,186 |
| 40 | $1,156 |
| 50 | $1,060 |
| 60 | $1,038 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,392 |
| $250 | $1,282 |
| $500 | $1,156 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,156 |
| 50/100 | $1,268 |
| 100/300 | $1,383 |
| 250/500 | $1,682 |
| 100 CSL | $1,314 |
| 300 CSL | $1,567 |
| 500 CSL | $1,751 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,438 |
| 20 | $4,254 |
| 30 | $2,538 |
| 40 | $2,502 |
| 50 | $2,394 |
| 60 | $2,372 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $60 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $80 |
| Total Discounts | $474 |
Discounts are estimated and may not be available from every company or in every state.
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