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 prices for a Toyota Yaris are $1,198 every 12 months for full coverage insurance. Comprehensive costs around $208, collision costs $376, and liability coverage costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing around $2,604. Teenage drivers cost the most to insure at $4,690 a year or more.

Average premium for full coverage: $1,198

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than using average rates.

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

Additional Charts and Tables

The chart below illustrates estimated 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 average price for a good driver age 40 using $500 deductibles is $1,198
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,458
• High-risk insureds who are prone to accidents and violations could pay at least $2,604 or more
• Policy cost to insure a teenage driver with full coverage can be $4,690 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $400 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect 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 were responsible for an accident, you are probably paying at least $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Toyota Yaris insurance rates. 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

Because rates have so much variability, the only way to figure out your exact price is to compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied.

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 Shop for the Best Toyota Yaris Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, being claim-free, and insuring your home and auto with the same company. Invest the time to compare rates at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a brief recap of the data presented in the illustrations above.

• Consumers who may need higher liability limits will pay an extra $500 annually to go from a 30/60 limit to a 250/500 level
• It is possible to save up to $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• Teenagers pay higher rates, possibly costing $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.