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 with full coverage. Comprehensive costs around $200, collision insurance costs $338, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $2,502. Teens cost the most to insure at up to $4,546 a year.

Average premium for full coverage: $1,156

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than relying on averaged prices.

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

More Rate Details

The chart below details average Toyota Yaris insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $682
• Using higher $1,000 deductibles will save about $122 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,156
• Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,392
• Drivers with serious driving violations could pay at least $2,502
• Policy cost for full coverage for a teen driver with full coverage can be $4,546 or more

View Chart as Image

Auto insurance rates for a Toyota Yaris also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

An older driver with a good driving record and high deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $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 $830 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,560 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $360 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,400 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

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 More Affordable Toyota Yaris Insurance

Finding cheaper rates on Toyota Yaris insurance requires avoiding accidents and violations, having good credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at every other renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a summary of the concepts that were touched on in the above illustrations.

• High-risk drivers who have multiple accidents or major violations pay an average of $1,350 more every year for car insurance
• Teenagers are expensive to insure, as much as $379 each month if they have full coverage
• You may be able to save up to $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $350 each year
• You may be able to save up to $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.