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.
Estimated insurance rates for a Toyota Yaris are $1,156 a year including full coverage. Comprehensive insurance costs approximately $200 a year, collision costs $338, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing $2,502 or more. Teen drivers pay the most at $4,546 a year or more.
Average premium for full coverage: $1,156
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Yaris trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Toyota Yaris go from the low end price of $510 for just liability insurance to a high of $2,502 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.
The diagram below illustrates how where you live affects auto insurance prices.
These rate differences highlight why it is important to compare rates quotes using their specific location, instead of making a decision based on price 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 breaks down estimated Toyota Yaris insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $682
- Raising to $1,000 deductibles will save $1,034 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,156
- Choosing low $100 deductibles will cost an additional $236 annually
- Drivers with multiple violations and an at-fault accident could pay around $2,502 or more
- An auto insurance policy that insures a 16-year-old driver can cost $4,546
Auto insurance prices for a Toyota Yaris also have a wide range based on the trim level of your Yaris, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 135% more than average. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,500 a year. View Rates by Age
Where you choose to live also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find prices as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,650 on average in Louisiana, 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% |
Choosing high deductibles can reduce prices by up to $360 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially different.
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 Find the Best Toyota Yaris Insurance
Finding better rates on insurance for a Toyota Yaris consists of being a good driver, maintaining a good credit score, refrain from filing small claims, and not having any coverage lapses. Shop around at every other renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.
The following list is a brief recap of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk who tend to receive serious violations will likely pay on average $1,350 more per year than a safer driver
- Drivers age 16 to 20 have the highest car insurance prices, with the cost nearing $379 per month if the policy includes full coverage
- You may be able to save around $130 per year simply by quoting early and online
- Increasing policy deductibles can save approximately $350 each year
- You may be able to save around $130 per year simply by quoting early and online
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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