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.

The average insurance rates for a Toyota Yaris are $1,156 a year for full coverage. Comprehensive insurance costs an estimated $200 each year, collision insurance costs $338, and liability costs $460. Liability-only insurance costs as little as $510 a year, and high-risk driver insurance costs $2,502 or more. Teenage drivers cost the most to insure at up to $4,546 a year.

Average premium for full coverage: $1,156

Policy rates broken down by type of insurance:

Prices include $500 deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.

The examples above show why all drivers should compare rates for a targeted area and risk profile, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $682
• Drivers who choose higher $1,000 deductibles will pay approximately $122 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,156
• Using low deductibles for comprehensive and collision insurance will cost an extra $236 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,502
• Policy cost for full coverage for a teen driver can cost as much as $4,546 a year

View Chart as Image

Auto insurance rates for a Toyota Yaris also range considerably based on your risk profile, the trim level of your Yaris, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $4,500 a year. View Rates by Age

Your home state makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay 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

Using high physical damage deductibles could save up to $360 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,400 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

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 the Right Toyota Yaris Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a quick rundown of the information covered in the charts and tables above.

• Drivers can save approximately $130 per year just by quoting online in advance
• Teens are the costliest to insure, costing up to $379 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $350 each year
• Higher risk drivers with reckless driving or DUI convictions pay an average of $1,350 more annually for Yaris insurance
• Policyholders who want higher liability limits will pay an extra $510 each year to go from a 30/60 limit to 250/500 limits

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.