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 $1,198 every 12 months for full coverage. Comprehensive costs around $208 a year, collision insurance costs $376, and liability coverage costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs around $2,604. Teens cost the most to insure at up to $4,690 a year.

Average premium for full coverage: $1,198

Policy rates for type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code and their own driving history, rather than using averaged prices.

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 choices and driver risks.

• The cheapest rate after discounts is $702
• Drivers who choose higher $1,000 deductibles will pay about $1,066 a year
• The average price for a good driver age 40 using $500 deductibles is $1,198
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,458
• High-risk insureds with serious driving violations could pay at least $2,604
• Policy cost to insure a teenage driver can be $4,690 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $400 a year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,710 on average in Michigan, Louisiana, and New York.

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 Cheaper Toyota Yaris Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at every other renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a condensed summary of the concepts that were illustrated above.

• Drivers with multiple at-fault accidents may pay on average $1,410 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, costing up to $391 each month if comprehensive and collision insurance is included
• Drivers can save up to $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• Drivers can save up to $140 per year just 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.