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 auto insurance rates for a Toyota Yaris are $1,198 annually for full coverage. Comprehensive insurance costs around $208, collision insurance costs $376, and liability is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs $2,604 or more. Teen drivers cost the most to insure at up to $4,690 a year.

Average premium for full coverage: $1,198

Policy rates for type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $702
• Raising to $1,000 deductibles will save about $132 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,198
• Choosing pricier low deductibles costs an additional $260 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,604
• Policy cost with full coverage for a 16-year-old driver for full coverage can be $4,690

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,400 to $2,000 additional every year, depending on your age. Toyota Yaris insurance for high-risk drivers is expensive and can cost from 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $400 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find rates as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,710 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Cheap Toyota Yaris Insurance

Finding cheaper rates on insurance for a Toyota Yaris consists of avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a brief summary of the primary concepts that were covered above.

• Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
• Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,410 more every year to insure a Toyota Yaris
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Drivers under the age of 20 are charged the highest rates, costing up to $391 each month if they have 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.