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 prices for a Toyota Yaris are $1,198 every 12 months for full coverage insurance. Comprehensive costs an estimated $208 a year, collision insurance costs $376, and liability insurance costs around $456. A policy with only liability insurance costs as low as $508 a year, and a high-risk policy costs around $2,604. Teens pay the most at up to $4,690 a year.

Average premium for full coverage: $1,198

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Yaris trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area and their own driving history, rather than relying on averaged prices.

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

Rate Comparisons

The chart below illustrates average Toyota Yaris insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $702
• Using higher $1,000 deductibles will save approximately $1,066 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,198
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,458
• Drivers with serious driving violations could pay up to $2,604
• An auto insurance policy to insure a teen driver can cost as much as $4,690 or more

View Chart as Image

Car insurance prices for a Toyota Yaris also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $400 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,620 on average in Florida, New York, and Michigan.

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 Shop for Affordable Toyota Yaris Insurance

Finding better rates on Toyota Yaris insurance requires avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The points below are a brief review of the data touched on in the above illustrations.

• Drivers who want increased liability limits will pay approximately $500 annually to increase from 30/60 bodily injury limits to a 250/500 level
• It is possible to save approximately $140 per year just by quoting early and online
• Increasing policy deductibles could save as much as $400 each year
• Drivers under the age of 20 have the highest car insurance prices, with premiums being up to $391 per month if the policy includes 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.