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.

Estimated insurance rates for a Toyota Yaris are $1,198 a year for full coverage. Comprehensive insurance costs approximately $208 a year, collision costs $376, and liability is $456. A policy with only liability insurance costs around $508 a year, with a high-risk policy costing $2,604 or more. Teenage drivers pay the most at $4,690 a year or more.

Average premium for full coverage: $1,198

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance prices.

These rate differences show why it is important to compare rates quotes using their specific location, instead of using average rates.

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

Rate Comparisons

The chart below shows estimated Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The best discount rate is $702
• Raising to $1,000 deductibles will save $1,066 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,198
• Using low $100 deductibles will cost an additional $260 every year
• At-risk drivers who are prone to accidents and violations could pay around $2,604 or more
• An auto insurance policy that insures a teen driver can cost $4,690

View Chart as Image

Car insurance prices for a Toyota Yaris also have a wide range based on the trim level of your Yaris, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find prices as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,710 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $400 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

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 better rates on car insurance consists of avoiding accidents and claims, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare prices at least every other year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The points below are a condensed summary of the car insurance concepts touched on in this article.

• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,410 more per year to insure a Toyota Yaris
• Drivers can save around $140 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $400 each year
• Policyholders who purchase increased liability limits will pay an extra $500 each year to raise from 30/60 bodily injury limits 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.