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 $1,198 a year including full coverage. Comprehensive insurance costs around $208, collision costs $376, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing $2,604 or more. Teen drivers cost the most to insure at $4,690 a year or more.

Average premium for full coverage: $1,198

Policy rates for type of insurance:

Rate estimates include $500 deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how your location can change auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on price averages.

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

Additional Charts and Tables

The chart below breaks down estimated Toyota Yaris insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $702
• Drivers who choose higher $1,000 deductibles will pay about $132 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,198
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $260 a year
• High risk drivers with multiple violations and an at-fault accident could pay at least $2,604 or more
• Policy cost for full coverage for a teen driver with full coverage can be $4,690 a year

View Chart as Image

Car insurance rates for a Toyota Yaris also range considerably based on your risk profile, the model of your Yaris, and deductibles and policy limits.

An older driver with no driving violations and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $4,600 a year. View Rates by Age

Your home state makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,710 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $400 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to compare rates from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be varied from one company to the next.

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 Best Toyota Yaris Insurance

Finding cheaper rates on Toyota Yaris insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to shop around every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief recap of the coverage data illustrated above.

• You may be able to save up to $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $400 each year
• Teens are the costliest to insure, with premiums being up to $391 each month if full coverage is included
• High-risk drivers who tend to receive serious violations pay on average $1,410 more every year for Yaris 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.