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 insurance rates for a Toyota Yaris are $1,156 a year including full coverage. Comprehensive insurance costs an estimated $200, collision insurance costs $338, and liability costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs $2,502 or more. Teenage drivers cost the most to insure at up to $4,546 a year.

Average premium for full coverage: $1,156

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.

The examples above highlight why everyone should compare rates for a targeted area and risk profile, instead of using average rates.

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

Rate Comparisons

The chart below breaks down average Toyota Yaris insurance rates for other coverage scenarios.

• The best discount rate is $682
• Drivers who choose higher $1,000 deductibles will pay approximately $122 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,156
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $236 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,502
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,546 a year

View Chart as Image

Insurance rates for a Toyota Yaris also range considerably based on your risk profile, the model of your Yaris, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,500 a year. View Rates by Age

Your home state makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,650 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $360 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,400 to $1,900 extra every year, depending on your age. Toyota Yaris insurance for high-risk drivers can cost as much as 42% to 135% 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 Best Cheap Toyota Yaris Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also maintaining good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick review of the coverage data touched on in this article.

• You may be able to save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $350 each year
• Drivers under the age of 20 are charged the highest rates, with premiums being up to $379 each month for full coverage
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,350 more annually to insure a Toyota Yaris

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.