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 with full coverage. Comprehensive insurance costs approximately $200, collision costs $338, and liability is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing $2,502 or more. Teen drivers cost the most to insure at $4,546 a year or more.

Average premium for full coverage: $1,156

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than larger metro areas.

The example below illustrates how location impacts auto insurance prices.

The examples above demonstrate why everyone should get quotes using their specific location, instead of making a decision based on price averages.

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

More Rate Information

The chart below details estimated Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $682
• Choosing higher $1,000 deductibles can save $122 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,156
• Choosing pricier low deductibles for comp and collision coverage will cost an additional $236 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,502 or more
• Policy cost that insures a 16-year-old driver for full coverage can cost $4,546 each year

View Chart as Image

Insurance rates for a Toyota Yaris also range considerably based on the model of your Yaris, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,400 to $1,900 extra every year, depending on your age. Toyota Yaris insurance for high-risk drivers ranges from 42% to 135% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Yaris insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,560 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $360 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different rate calculation, so the rates will be varied.

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 More Affordable Toyota Yaris Insurance

Finding cheaper rates on insurance for a Toyota Yaris takes having a decent driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Shop around at least once a year by requesting quotes from direct companies, and also from local insurance agencies.

The following items are a summary of the primary concepts that were touched on above.

• You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,350 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $379 each month if full coverage is included

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.