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 prices for a Toyota Yaris are $1,156 every 12 months including full coverage. Comprehensive costs an estimated $200 each year, collision costs $338, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $2,502. Teen drivers cost the most to insure at $4,546 a year or more.

Average premium for full coverage: $1,156

Policy rates broken down by type of insurance:

Includes $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how your location can change insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area and their own driving history, instead of making a decision based 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 other coverage scenarios.

• The lowest rate with discounts is $682
• Raising to $1,000 deductibles will save approximately $122 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,156
• Choosing low deductibles increases the price to $1,392
• Drivers with multiple violations and an at-fault accident could pay up to $2,502 or more
• Policy cost to insure a 16-year-old driver can cost as much as $4,546

View Chart as Image

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

Choosing high deductibles can reduce rates by up to $360 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,400 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 135% more than average. View High Risk Driver Rates

Your home state also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find rates as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,650 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and quoted 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 Shop for the Cheapest Toyota Yaris Insurance

Finding cheaper rates on insurance for a Toyota Yaris consists of not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to shop around at least once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following is a recap of the primary concepts that were illustrated above.

• You may be able to save approximately $130 per year simply by quoting online in advance
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,350 more annually for Yaris insurance
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Teens are the costliest to insure, with premiums being up to $379 each month if comprehensive and collision insurance 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.