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.

Average insurance prices for a Toyota Yaris are $1,198 every 12 months with full coverage. Comprehensive insurance costs around $208, collision insurance costs $376, and liability is estimated at $456. A policy with just liability insurance costs approximately $508 a year, and coverage for high-risk drivers costs $2,604 or more. Teens receive the highest rates at up to $4,690 a year.

Average premium for full coverage: $1,198

Rate estimates for individual coverage type:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Yaris trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance rates.

These examples demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $702
• Choosing higher $1,000 deductibles can save about $132 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,198
• Selecting more expensive low deductibles for comp and collision coverage costs an extra $260 every year
• Unlucky drivers with serious driving violations could pay at least $2,604
• The cost to insure a teen driver with full coverage can be $4,690 each year

View Chart as Image

Insurance rates for a Toyota Yaris can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $400 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance ranges as much as 43% to 130% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Toyota Yaris insurance prices. A good driver about age 40 could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,620 on average in Florida, Michigan, and New York.

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

Saving money on car insurance takes having a good driving record, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a brief review of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions pay on average $1,410 more every year to buy Toyota Yaris insurance
• You may be able to save up to $140 per year just by shopping early and online
• Increasing deductibles could save as much as $400 each year
• Policyholders who may need increased levels of liability coverage will pay approximately $500 every year to raise limits from a minimum limit to a 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.