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.

U.S. average auto insurance rates for a Toyota Yaris are $1,156 annually for full coverage. Comprehensive costs an estimated $200 each year, collision costs $338, and liability coverage costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $2,502. Teenage drivers pay the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Price estimates broken down by individual coverage:

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Yaris models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have fewer accident claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

The ranges above show why all drivers should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

The chart below shows estimated Toyota Yaris insurance rates for other coverage scenarios.

• The best discount rate is $682
• Using higher $1,000 deductibles will save approximately $122 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,156
• Using low deductibles for physical damage coverage will cost $1,392
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,502 or more
• The price with full coverage for a teenage driver can cost as much as $4,546 or more

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can be around 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $360 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see prices as low as $760 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,650 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, and prices may be quite different between companies.

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 Buy Low Cost Toyota Yaris Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a review of the data that was presented in the illustrations above.

• Drivers can save approximately $130 per year simply by quoting online in advance
• Consumers who want higher liability limits will pay an extra $510 each year to increase from a low limit to higher 250/500 limits
• Teenagers are expensive to insure, with premiums as much as $379 a month if they have full coverage
• Drivers who have several accidents or serious violations may pay on average $1,350 more annually for car insurance

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.