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.

Estimated insurance rates for a Toyota Yaris are $1,198 a year with full coverage. Comprehensive costs an estimated $208 a year, collision insurance costs $376, and liability insurance costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs around $2,604. Teenage drivers pay the most at up to $4,690 a year.

Average premium for full coverage: $1,198

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

These rate differences demonstrate why it is important to compare rates for a targeted area, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $702
• Drivers who choose higher $1,000 deductibles will pay approximately $1,066 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,198
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,458
• High risk drivers who are prone to accidents and violations could pay up to $2,604
• An auto insurance policy that insures a teen driver can cost as much as $4,690 a year

View Chart as Image

Insurance prices for a Toyota Yaris also have a wide range based on the trim level of your Yaris, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,620 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $400 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 more per year. 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 Low Cost Toyota Yaris Insurance

Finding better rates on Toyota Yaris insurance not only requires being a good driver, but also having above-average credit, being claim-free, and deciding if full coverage is necessary. Compare prices every time your policy renews by quoting rates from direct companies, and also from insurance agencies where you live.

The following list is a review of the information presented in the illustrations above.

• You may be able to save approximately $140 per year just by quoting early and online
• Drivers age 16 to 20 are charged the highest prices, possibly costing $391 per month if full coverage is included
• Increasing policy deductibles can save approximately $400 each year
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,410 more annually than a safer driver
• Drivers who want an increased level of liability coverage will pay an extra $500 every year to go from 30/60 bodily injury limits 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.