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 auto insurance rates for a Toyota Yaris are $1,156 annually with full coverage. Comprehensive costs approximately $200 each year, collision costs $338, and liability is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing around $2,502. 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:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Yaris models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

These examples demonstrate why all drivers should get quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $682
• Choosing higher $1,000 deductibles can save $122 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,156
• Using low deductibles for comp and collision coverage will cost $1,392
• Higher-risk drivers who are prone to accidents and violations could pay around $2,502 or more
• The cost with full coverage for a 16-year-old driver can cost $4,546 each year

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,400 to $1,900 additional per year, depending on your age. Insurance for high-risk drivers ranges from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $360 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Toyota Yaris insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,560 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, and rates can be significantly different between companies.

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 Buy Cheaper Toyota Yaris Insurance

Saving money on insurance for a Toyota Yaris takes avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a condensed summary of the ideas that were covered in the charts and tables above.

• Teenagers are the costliest to insure, with premiums as much as $379 per month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,350 more per year for car insurance
• Increasing deductibles could save up to $350 each year
• You may be able to save around $130 per year simply by quoting online in advance

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.