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 rates for a Toyota Yaris are $1,156 a year for full coverage insurance. Comprehensive costs on average $200 a year, collision costs $338, and liability coverage costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,502. Teen drivers cost the most to insure at $4,546 a year or more.

Average premium for full coverage: $1,156

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates how location impacts car insurance rates.

The examples above illustrate why it is important to compare prices based on a specific location, rather than using price averages.

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

Additional Rate Details

The chart below illustrates estimated Toyota Yaris insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $682
• Using higher $1,000 deductibles will save around $1,034 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,156
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,392
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,502 or more
• Policy cost that insures a teenage driver may cost $4,546 or more

View Chart as Image

Auto insurance rates for a Toyota Yaris also range considerably based on the trim level of your Yaris, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 in extra premium every 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 a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $4,500 a year. View Rates by Age

Your home state has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see rates as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,560 on average in Michigan, New York, 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 cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be varied.

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 Low Cost Toyota Yaris Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, maintaining a good credit score, being claim-free, and taking advantage of discounts. Shop around at every policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below is a review of the data touched on above.

• Consumers who require higher levels of liability will pay about $510 annually to increase from a 30/60 limit to the 250/500 level
• It is possible to save as much as $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Teenage drivers are charged the highest rates, possibly costing $379 each month if the policy includes full coverage

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.