Toyota Yaris Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 12, 2019

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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 rates for a Toyota Yaris are $1,228 a year for full coverage. Comprehensive costs on average $218 a year, collision costs $400, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,664. Teen drivers receive the highest rates at $4,772 a year or more.

Average premium for full coverage: $1,228

Rate estimates by individual coverage type:

Comprehensive $218
Collision $400
Liability $452

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Yaris trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $504 for only liability insurance to a high of $2,664 for a high risk driver.

Liability Only $504
Full Coverage $1,228
High Risk $2,664

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $921
Small Cities $1,289
Large Cities $1,658

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Insurance Rate Analysis

The chart below shows estimated Toyota Yaris insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $716
  • Drivers who choose higher $1,000 deductibles will pay around $1,088 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,228
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,500
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,664 or more
  • The cost for full coverage for a teen driver may cost $4,772 a year

View Chart as Image

Toyota Yaris insurance cost comparison chart
Column chart showing full coverage Toyota Yaris insurance rates range from $716 to $4,772

for a Toyota Yaris can also vary considerably based on your driver profile, the trim level of your Yaris, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,700 a year. View Rates by Age

Where you live makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or as much as $1,750 on average in Michigan, Louisiana, and New York.

Toyota Yaris Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,110 -$118 -9.6%
Alaska $940 -$288 -23.5%
Arizona $1,018 -$210 -17.1%
Arkansas $1,228 -$0 0.0%
California $1,398 $170 13.8%
Colorado $1,172 -$56 -4.6%
Connecticut $1,262 $34 2.8%
Delaware $1,388 $160 13.0%
Florida $1,536 $308 25.1%
Georgia $1,132 -$96 -7.8%
Hawaii $880 -$348 -28.3%
Idaho $830 -$398 -32.4%
Illinois $914 -$314 -25.6%
Indiana $924 -$304 -24.8%
Iowa $826 -$402 -32.7%
Kansas $1,166 -$62 -5.0%
Kentucky $1,674 $446 36.3%
Louisiana $1,816 $588 47.9%
Maine $756 -$472 -38.4%
Maryland $1,012 -$216 -17.6%
Massachusetts $982 -$246 -20.0%
Michigan $2,132 $904 73.6%
Minnesota $1,026 -$202 -16.4%
Mississippi $1,468 $240 19.5%
Missouri $1,088 -$140 -11.4%
Montana $1,318 $90 7.3%
Nebraska $968 -$260 -21.2%
Nevada $1,472 $244 19.9%
New Hampshire $884 -$344 -28.0%
New Jersey $1,370 $142 11.6%
New Mexico $1,086 -$142 -11.6%
New York $1,290 $62 5.0%
North Carolina $708 -$520 -42.3%
North Dakota $1,006 -$222 -18.1%
Ohio $848 -$380 -30.9%
Oklahoma $1,260 $32 2.6%
Oregon $1,124 -$104 -8.5%
Pennsylvania $1,172 -$56 -4.6%
Rhode Island $1,636 $408 33.2%
South Carolina $1,110 -$118 -9.6%
South Dakota $1,036 -$192 -15.6%
Tennessee $1,074 -$154 -12.5%
Texas $1,480 $252 20.5%
Utah $908 -$320 -26.1%
Vermont $840 -$388 -31.6%
Virginia $734 -$494 -40.2%
Washington $948 -$280 -22.8%
West Virginia $1,124 -$104 -8.5%
Wisconsin $848 -$380 -30.9%
Wyoming $1,094 -$134 -10.9%

View Chart as Image

Toyota Yaris insurance rates by U.S. city

Choosing high deductibles could save up to $420 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 136% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Toyota Yaris Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Yaris 2-Dr Hatchback $1,270 $106
Toyota Yaris 4-Dr Hatchback $1,216 $101
Toyota Yaris 4-Dr Sedan $1,216 $101
Toyota Yaris S 2-Dr Hatchback $1,308 $109
Toyota Yaris S 4-Dr Hatchback $1,252 $104
Toyota Yaris S 4-Dr Sedan $1,252 $104

Rates assume 2017 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.

Toyota Yaris Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Toyota Yaris $218 $400 $452 $1,228
2014 Toyota Yaris $188 $310 $460 $1,116
2013 Toyota Yaris $180 $292 $464 $1,094
2012 Toyota Yaris $176 $272 $474 $1,080
2009 Toyota Yaris $148 $210 $474 $990
2008 Toyota Yaris $140 $190 $474 $962
2007 Toyota Yaris $134 $170 $468 $930

Rates are averaged for all Toyota Yaris models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Toyota Yaris Insurance

Saving money on Toyota Yaris insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $400 each year
  • Drivers can save as much as $150 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $398 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,440 more each year for insurance

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. 

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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.

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.

Rates by Driver Age

Toyota Yaris Insurance Rates by Driver Age
Driver Age Premium
16 $4,772
20 $2,844
30 $1,264
40 $1,228
50 $1,124
60 $1,102

Full coverage, $500 deductibles

Rates by Deductible

Toyota Yaris Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,500
$250 $1,374
$500 $1,228
$1,000 $1,088

Full coverage, driver age 40

Rates by Liability Limit

Toyota Yaris Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,228
50/100 $1,342
100/300 $1,455
250/500 $1,749
100 CSL $1,388
300 CSL $1,636
500 CSL $1,817

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Yaris Insurance Rates for High Risk Drivers
Age Premium
16 $6,778
20 $4,534
30 $2,704
40 $2,664
50 $2,548
60 $2,524

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $172

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $79
Paid in Full/EFT $52
Advance Quote $59
Online Quote $86
Total Discounts $512
Rate after discounts $716

Discounts are estimated and may not be available from every company or in every state.

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