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 $1,198 a year for full coverage insurance. Comprehensive insurance costs on average $208 each year, collision insurance costs $376, and liability coverage is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $2,604 or more. Teenage drivers cost the most to insure at up to $4,690 a year.

Average premium for full coverage: $1,198

Policy rates by type of insurance:

Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Yaris models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why all drivers should get quotes based on a specific location, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $702
• Choosing higher $1,000 deductibles can save around $132 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,198
• Using low deductibles for comp and collision coverage will cost an additional $260 each year
• Drivers who are prone to accidents and violations could pay upwards of $2,604
• Policy cost that insures a teenage driver may cost $4,690 each year

View Chart as Image

Insurance rates for a Toyota Yaris also range considerably based on the trim level and model year, 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 $2,000 additional every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $400 a year, whereas increasing 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 $411 more each year. View Rates by Deductible or Liability Limit

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 Cheaper Toyota Yaris Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Compare prices every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a condensed summary of the information covered in the above illustrations.

• It is possible to save as much as $140 per year just by quoting online in advance
• Drivers age 20 and younger pay higher rates, possibly costing $391 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Drivers with multiple at-fault accidents may pay on average $1,410 more each year to buy Toyota Yaris insurance
• Consumers who require increased levels of liability coverage will pay an extra $500 annually to raise limits from a 30/60 limit to the 250/500 level

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.