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 auto insurance rates for a Toyota Yaris are $1,198 annually including full coverage. Comprehensive insurance costs an estimated $208 a year, collision insurance costs $376, and liability insurance costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs $2,604 or more. Teen drivers cost the most to insure at up to $4,690 a year.

Average premium for full coverage: $1,198

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and their own personal driving habits, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $702
• Using higher $1,000 deductibles will save approximately $1,066 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,198
• Choosing low $100 deductibles for physical damage coverage costs an additional $260 a year
• Drivers with multiple violations and an at-fault accident could pay up to $2,604
• Policy cost with full coverage for a teen driver can cost as much as $4,690 or more

View Chart as Image

Insurance rates for a Toyota Yaris also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $400 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,710 on average in Louisiana, 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 Buy the Best Cheap Toyota Yaris Insurance

Finding cheaper rates on Toyota Yaris insurance requires avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a quick review of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $140 per year just by quoting early and online
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,410 more annually to insure a Toyota Yaris
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Drivers under the age of 20 are expensive to insure, with premiums being up to $391 each month if they have full coverage

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.