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 with full coverage. Comprehensive costs an estimated $200 a year, collision costs $338, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,502. 16-year-old drivers pay the most at $4,546 a year or more.

Average premium for full coverage: $1,156

Premium estimates broken down by type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities.

The diagram below illustrates how location helps determine insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area and their own driving history, rather than relying on rate averages.

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

Additional Rate Information

The chart below details estimated Toyota Yaris insurance rates for other coverage scenarios.

• The best full coverage rate is $682
• Using higher $1,000 deductibles will save approximately $1,034 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,156
• Buying low $100 deductibles for physical damage coverage increases the price to $1,392
• Drivers with multiple tickets or accidents could pay up to $2,502 or more
• An auto insurance policy to insure a teen driver can cost as much as $4,546 or more

View Chart as Image

Insurance prices for a Toyota Yaris also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Opting for high physical damage deductibles could cut prices by as much as $360 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,400 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

Where you choose to live has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see prices as low as $830 a year in states like Utah, Ohio, and New Hampshire, or at least $1,560 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and prices will be substantially different.

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 Low Cost Toyota Yaris Insurance

Finding better rates on Toyota Yaris insurance requires avoiding accidents and violations, having above-average credit, being claim-free, and maximizing policy discounts. Invest time comparing rates at every other renewal by requesting rates from direct companies, and also from your local independent and exclusive agents.

The list below is a review of the concepts that were covered in the charts and tables above.

• High-risk drivers who have several accidents or serious violations may pay on average $1,350 more annually for car insurance
• Teenagers are expensive to insure, possibly costing $379 per month if full coverage is included
• You may be able to save approximately $130 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $350 each year
• You may be able to save approximately $130 per year simply by quoting early and online

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.