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 insurance rates for a Toyota Yaris are $1,198 a year including full coverage. Comprehensive insurance costs on average $208 each year, collision insurance costs $376, and liability insurance is $456. Liability-only coverage costs around $508 a year, and high-risk coverage costs $2,604 or more. Teens pay the highest rates at up to $4,690 a year.

Average premium for full coverage: $1,198

Price estimates by individual coverage:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Yaris models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change car insurance rates.

The ranges above highlight why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $702
• Raising to $1,000 deductibles will save around $132 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,198
• Selecting low deductibles will cost an extra $260 a year
• Higher-risk drivers with serious driving violations could pay upwards of $2,604
• The price for full coverage for a teen driver may cost $4,690

View Chart as Image

Auto insurance prices for a Toyota Yaris are also quite variable based on your driving record, the model of your Yaris, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Toyota Yaris insurance rates. A middle-age driver might find prices as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,710 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $400 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% 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 Cheap Toyota Yaris Insurance

Getting lower rates on Toyota Yaris insurance consists of being a good driver, having good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a brief summary of the ideas that were illustrated above.

• Drivers age 16 to 20 are charged the highest prices, possibly costing $391 a month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,410 more each year than a safer driver
• Increasing physical damage deductibles can save around $400 each year
• You may be able to save as much as $140 per year just by quoting online in advance

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.