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 prices for a Toyota Yaris are $1,198 every 12 months for full coverage insurance. Comprehensive costs approximately $208 a year, collision insurance costs $376, and liability coverage is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs around $2,604. 16-year-old drivers pay the most at up to $4,690 a year.

Average premium for full coverage: $1,198

Premium estimates by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than congested cities. The diagram below illustrates how your location can change auto insurance prices.

These rate differences illustrate why it is important to compare rates quotes using their specific location and their own driving history, rather than using rate averages.

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

Rates by State, City, and Model

The chart below illustrates average Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $702
• Raising to $1,000 deductibles will save $1,066 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,198
• Buying low $100 deductibles increases the price to $1,458
• Unlucky drivers with multiple tickets or accidents could pay around $2,604
• An auto insurance policy to insure a teenage driver can cost $4,690

View Chart as Image

Insurance prices for a Toyota Yaris also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Yaris.

Opting for high physical damage deductibles can reduce prices by up to $400 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 130% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Toyota Yaris insurance rates. A middle-age driver might find prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,620 on average in Florida, New York, and Michigan.

View Chart as Image

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 Shop for Affordable Toyota Yaris Insurance

Finding better rates on auto insurance consists of avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around every couple of years by requesting rates from direct insurance companies, and also from local insurance agencies.

The list below is a brief review of the material that was illustrated above.

• Consumers who purchase higher liability limits will pay around $500 annually to raise from 30/60 bodily injury limits to a 250/500 level
• Teenagers are expensive to insure, with premiums being up to $391 per month if they have full coverage
• Drivers with DUI or reckless driving convictions may have to pay on average $1,410 more per year for car insurance
• Increasing policy deductibles could save as much as $400 each year

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.