Toyota Yaris Insurance Rates

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Merriya Valleri

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Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

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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,...

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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 $1,198 a year for full coverage. Comprehensive costs an estimated $208 each year, collision insurance costs $376, and liability costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs around $2,604. Teen 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:

Comprehensive $208
Collision $376
Liability $456

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all states and Yaris models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Toyota Yaris range from as low as $508 for just liability insurance to a high rate of $2,604 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,198
High Risk $2,604

Insurance Price Range by Location

Your location can have significant affects on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.

Rural Areas $899
Small Cities $1,258
Large Cities $1,617

These rate differences show why all drivers should compare rates for a targeted area and risk profile, instead of using 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 shows average Toyota Yaris insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $702
  • Drivers who choose higher $1,000 deductibles will pay approximately $132 a year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,198
  • Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,458
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,604
  • An auto insurance policy for full coverage for a teen driver can cost as much as $4,690 a year

View Chart as Image

Toyota Yaris insurance cost comparison chart
Column chart showing Toyota Yaris insurance rates range from $702 to $4,690 for full coverage

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

More mature drivers 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. Prices are highest for drivers in their teens, where even good drivers 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 prices. A 40-year-old driver could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or as much as $1,710 on average in New York, Louisiana, and Michigan.

Toyota Yaris Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,084 -$114 -9.5%
Alaska $920 -$278 -23.2%
Arizona $996 -$202 -16.9%
Arkansas $1,198 -$0 0.0%
California $1,368 $170 14.2%
Colorado $1,148 -$50 -4.2%
Connecticut $1,232 $34 2.8%
Delaware $1,358 $160 13.4%
Florida $1,500 $302 25.2%
Georgia $1,106 -$92 -7.7%
Hawaii $862 -$336 -28.0%
Idaho $810 -$388 -32.4%
Illinois $894 -$304 -25.4%
Indiana $904 -$294 -24.5%
Iowa $808 -$390 -32.6%
Kansas $1,140 -$58 -4.8%
Kentucky $1,636 $438 36.6%
Louisiana $1,776 $578 48.2%
Maine $740 -$458 -38.2%
Maryland $988 -$210 -17.5%
Massachusetts $958 -$240 -20.0%
Michigan $2,084 $886 74.0%
Minnesota $1,004 -$194 -16.2%
Mississippi $1,436 $238 19.9%
Missouri $1,064 -$134 -11.2%
Montana $1,288 $90 7.5%
Nebraska $944 -$254 -21.2%
Nevada $1,438 $240 20.0%
New Hampshire $864 -$334 -27.9%
New Jersey $1,340 $142 11.9%
New Mexico $1,062 -$136 -11.4%
New York $1,264 $66 5.5%
North Carolina $690 -$508 -42.4%
North Dakota $980 -$218 -18.2%
Ohio $828 -$370 -30.9%
Oklahoma $1,232 $34 2.8%
Oregon $1,098 -$100 -8.3%
Pennsylvania $1,144 -$54 -4.5%
Rhode Island $1,600 $402 33.6%
South Carolina $1,086 -$112 -9.3%
South Dakota $1,012 -$186 -15.5%
Tennessee $1,050 -$148 -12.4%
Texas $1,446 $248 20.7%
Utah $888 -$310 -25.9%
Vermont $822 -$376 -31.4%
Virginia $720 -$478 -39.9%
Washington $928 -$270 -22.5%
West Virginia $1,100 -$98 -8.2%
Wisconsin $830 -$368 -30.7%
Wyoming $1,070 -$128 -10.7%

View Chart as Image

Toyota Yaris insurance rates by U.S. city

Choosing high deductibles could save up to $400 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 130% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Toyota Yaris Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Yaris 2-Dr Hatchback $1,244 $104
Toyota Yaris 4-Dr Hatchback $1,188 $99
Toyota Yaris 4-Dr Sedan $1,188 $99
Toyota Yaris S 2-Dr Hatchback $1,278 $107
Toyota Yaris S 4-Dr Hatchback $1,222 $102
Toyota Yaris S 4-Dr Sedan $1,222 $102

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.

Toyota Yaris Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Yaris $226 $430 $442 $1,256
2019 Toyota Yaris $218 $400 $452 $1,228
2018 Toyota Yaris $208 $376 $456 $1,198
2017 Toyota Yaris $200 $338 $460 $1,156
2016 Toyota Yaris $188 $310 $460 $1,116
2014 Toyota Yaris $176 $272 $474 $1,080
2013 Toyota Yaris $164 $252 $474 $1,048
2012 Toyota Yaris $158 $228 $478 $1,022
2009 Toyota Yaris $134 $170 $468 $930
2008 Toyota Yaris $132 $166 $460 $916
2007 Toyota Yaris $130 $160 $452 $900

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 car insurance not only requires being safe and accident-free, but also maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a brief recap of the coverage data raised in the charts and tables above.

  • Drivers can save approximately $140 per year just by quoting online in advance
  • Increasing policy deductibles can save around $400 each year
  • Youthful drivers are charged the highest prices, as much as $391 per month for full coverage
  • Higher risk drivers who tend to receive serious violations pay an average of $1,410 more annually than a low-risk driver

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.

Rates by Driver Age

Toyota Yaris Insurance Rates by Driver Age
Driver Age Premium
16 $4,690
20 $2,778
30 $1,236
40 $1,198
50 $1,098
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

Toyota Yaris Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,336
$500 $1,198
$1,000 $1,066

Full coverage, driver age 40

Rates by Liability Limit

Toyota Yaris Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,198
50/100 $1,313
100/300 $1,427
250/500 $1,724
100 CSL $1,359
300 CSL $1,610
500 CSL $1,792

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Yaris Insurance Rates for High Risk Drivers
Age Premium
16 $6,654
20 $4,430
30 $2,640
40 $2,604
50 $2,488
60 $2,466

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.

SR-22 Surcharge $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $62
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $83
Total Discounts $496
Rate after discounts $702

Discounts are estimated and may not be available from every company or in every state.

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