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 with full coverage. Comprehensive insurance costs an estimated $200 a year, collision insurance costs $338, and liability coverage costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs $2,502 or more. Teen drivers receive the highest rates at up to $4,546 a year.

Average premium for full coverage: $1,156

Rate estimates broken down by individual coverage type:

Prices include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and Yaris trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations tend to have lower incidents of collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why it is important to compare prices for a targeted area, rather than using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $682
• Using higher $1,000 deductibles will save approximately $1,034 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,156
• Choosing low $100 deductibles for physical damage coverage will cost an additional $236 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,502
• The cost that insures a teenage driver can cost as much as $4,546 or more

View Chart as Image

Insurance rates for a Toyota Yaris can also vary considerably based on the trim level of your Yaris, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles could cut rates by as much as $360 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

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 the Right Toyota Yaris Insurance

Saving money on auto insurance requires having a good driving record, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Shop around every couple of years by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick rundown of the material that was covered in the above illustrations.

• Consumers who want increased levels of liability coverage will pay about $510 every year to increase from a minimum limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, with premiums as much as $379 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,350 more annually to buy Toyota Yaris insurance
• Increasing deductibles can save approximately $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.