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.

U.S. average insurance rates for a Toyota Yaris are $1,156 a year including full coverage. Comprehensive insurance costs approximately $200, collision insurance costs $338, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $2,502 or more. Teens pay the highest rates at up to $4,546 a year.

Average premium for full coverage: $1,156

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Yaris trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates using their specific location, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below breaks down average Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $682
• Drivers who choose higher $1,000 deductibles will pay $122 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,156
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $236 annually
• Drivers with serious driving violations could pay around $2,502
• The price that insures a 16-year-old driver with full coverage can cost $4,546 a year

View Chart as Image

Auto insurance prices for a Toyota Yaris are also quite variable based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 in extra premium each year, depending on your age. High-risk driver insurance can cost from 42% to 135% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,500 a year. View Rates by Age

The state you live in makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,650 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $360 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every 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 Best Cheap Toyota Yaris Insurance

Getting lower rates on insurance for a Toyota Yaris not only requires being safe and accident-free, but also maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare rates at every other renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

Below you'll find a quick review of the concepts that were illustrated above.

• Drivers considered higher risk with a DUI or reckless driving violation will likely pay on average $1,350 more per year than a low-risk driver
• Youthful drivers have the highest car insurance prices, possibly costing $379 a month if the policy includes full coverage
• You may be able to save around $130 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $350 each year
• You may be able to save around $130 per year just by shopping 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.