Toyota Yaris Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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.

U.S. average insurance rates for a Toyota Yaris are $1,228 a year with full coverage. Comprehensive costs around $218, collision costs $400, and liability insurance costs around $452. Buying just liability costs as low as $504 a year, with insurance for high-risk drivers costing around $2,664. Teenage drivers pay the highest rates at $4,772 a year or more.

Average premium for full coverage: $1,228

Price estimates for individual coverage:

Comprehensive $218
Collision $400
Liability $452

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Yaris models.

Price Range from Low to High

Using a 40-year-old driver as an example, Toyota Yaris insurance prices go from as low as $504 for a discount liability-only rate to the much higher price of $2,664 for coverage for higher-risk drivers.

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

Geographic Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance rates.

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

The ranges above demonstrate why everyone should compare prices for a specific zip code and risk profile, rather than relying on average rates.

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.

Rates by State, City, and Model

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

  • The best discount rate is $716
  • Using higher $1,000 deductibles will save about $140 annually
  • The average rate for the average middle-age driver using $500 deductibles is $1,228
  • Using pricier low deductibles for physical damage coverage will increase the cost to $1,500
  • Drivers who are prone to accidents and violations could pay at least $2,664 or more
  • The price for full coverage for a teen driver for full coverage can be $4,772 or more

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

Insurance prices for a Toyota Yaris are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

The state you live in has a huge impact on Toyota Yaris insurance rates. A driver around age 40 might see prices as low as $880 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,660 on average in Florida, Michigan, 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

Using high physical damage deductibles could cut prices by as much as $420 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 additional each year, depending on your age. Toyota Yaris insurance for high-risk drivers can be anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and prices may be quite 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

Getting lower rates on Toyota Yaris insurance requires having a good driving record, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a condensed summary of the primary concepts that were raised in the charts and tables above.

  • You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
  • High-risk drivers with multiple at-fault accidents pay an average of $1,440 more every year to buy Toyota Yaris insurance
  • Increasing physical damage deductibles can save around $400 each year
  • Drivers age 20 and younger are charged the highest prices, costing up to $398 a month including comprehensive and collision 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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