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.

Estimated insurance prices for a Toyota Yaris are $1,156 every 12 months for full coverage. Comprehensive insurance costs approximately $200, collision insurance costs $338, and liability costs $460. A policy with only liability insurance costs as little as $510 a year, and a high-risk policy costs $2,502 or more. Teenage drivers pay the most at up to $4,546 a year.

Average premium for full coverage: $1,156

Premium estimates by type of coverage:

Prices include $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all Yaris models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The example below illustrates how geographic area affects auto insurance prices.

These rate differences show why everyone should compare rates using their specific location and their own driving history, instead of using average rates.

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

Additional Rate Details

The chart below shows average Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The best discount rate is $682
• Drivers who choose higher $1,000 deductibles will pay $122 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,156
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $236 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,502
• An auto insurance policy to insure a teen driver for full coverage can cost $4,546 a year

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Car insurance prices for a Toyota Yaris also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Yaris.

Using high physical damage deductibles could save up to $360 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,400 to $1,900 extra annually, depending on your age. Toyota Yaris insurance for high-risk drivers can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live 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

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 Shop for the Right Toyota Yaris Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and attention to physical damage deductibles. Invest the time to compare rates every couple of years by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a quick rundown of the material that was presented in the illustrations above.

• Policyholders who purchase higher liability limits will pay an extra $510 each year to go from 30/60 bodily injury limits to a 250/500 level
• Teens pay the highest auto insurance prices, as much as $379 per month if the policy includes full coverage
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,350 more per year for Yaris insurance
• Increasing policy deductibles could save as much as $350 each year

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.