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.

Average insurance rates for a Toyota Yaris are $1,156 a year for full coverage. Comprehensive insurance costs approximately $200 a year, collision costs $338, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing $2,502 or more. Teenage drivers receive the highest rates at $4,546 a year or more.

Average premium for full coverage: $1,156

Rate estimates by individual coverage type:

Prices are based on $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Yaris trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

These examples show why it is important to compare rates quotes using their specific location and risk profile, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $682
• Raising to $1,000 deductibles will save $1,034 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,156
• Using low $100 deductibles will cost an extra $236 every year
• At-risk drivers who are prone to accidents and violations could pay around $2,502 or more
• The cost for full coverage for a teen driver can cost $4,546

View Chart as Image

Insurance rates for a Toyota Yaris can also vary considerably based on your driver profile, the trim level of your Yaris, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

Where you live also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find rates 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

Using high physical damage deductibles can reduce rates by up to $360 every year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different 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 Affordable Toyota Yaris Insurance

Saving money on car insurance consists of having a good driving record, maintaining good credit, eliminating unneeded coverage, and maximizing policy discounts. Spend time shopping around once a year by requesting rates from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The next list is a brief review of the data that was touched on above.

• Drivers can save around $130 per year simply by quoting early and online
• Policyholders who purchase increased levels of liability coverage will pay an extra $510 each year to raise from a minimum limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, costing as high as $379 per month for full coverage
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,350 more per year to buy Toyota 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.