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.

U.S. average auto insurance rates for a Toyota Yaris are $1,198 annually for full coverage insurance. Comprehensive insurance costs around $208 each year, collision insurance costs $376, and liability costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs $2,604 or more. Teenage drivers pay the highest rates at up to $4,690 a year.

Average premium for full coverage: $1,198

Price estimates for individual coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Yaris models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

The ranges above illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $702
• Drivers who choose higher $1,000 deductibles will pay about $132 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,198
• Using low deductibles for comprehensive and collision insurance costs an additional $260 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,604
• The price with full coverage for a teen driver can be $4,690 a year

View Chart as Image

Insurance prices for a Toyota Yaris are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, 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 some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $400 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Toyota Yaris insurance prices. A 40-year-old driver 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

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

Getting lower rates on car insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the data touched on in the above illustrations.

• Policyholders who may need more liability coverage will pay an extra $500 annually to go from a low limit to higher 250/500 limits
• It is possible to save up to $140 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $400 each year
• Teen drivers are charged the highest prices, as much as $391 a 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.