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 $1,198 a year including full coverage. Comprehensive costs approximately $208, collision costs $376, and liability costs around $456. A policy with just liability insurance costs as low as $508 a year, with coverage for high-risk drivers costing around $2,604. Teenage drivers receive the highest rates at $4,690 a year or more.

Average premium for full coverage: $1,198

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

These examples highlight why everyone should compare prices using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $702
• Using higher $1,000 deductibles will save $132 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,198
• Using pricier low deductibles for physical damage coverage will increase the cost to $1,458
• High-risk insureds who are prone to accidents and violations could pay around $2,604 or more
• The cost for full coverage for a 16-year-old driver for full coverage can cost $4,690 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live has a huge impact on Toyota Yaris insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,710 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $400 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 additional per year, depending on your age. Toyota Yaris insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and 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 the Right Toyota Yaris Insurance

Saving money on insurance for a Toyota Yaris requires not taking risks behind the wheel, having a good credit history, not filing small claims, and qualifying for all possible discounts. Make time to compare rates at least every other year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following is a quick rundown of the car insurance concepts touched on in this article.

• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,410 more per year for Yaris insurance
• You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $400 each year
• Insureds who purchase higher liability limits will pay an extra $500 per year to increase from a minimum limit to 250/500 limits

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.