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: Jun 12, 2024

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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 including full coverage. Comprehensive costs an estimated $218 each year, collision insurance costs $400, and liability coverage is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs around $2,664. Teenage drivers pay the highest rates at up to $4,772 a year.

Average premium for full coverage: $1,228

Price estimates broken down by individual coverage:

Comprehensive $218
Collision $400
Liability $452

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Yaris models.

Price Range from Low to High

Using a 40-year-old driver as an example, Toyota Yaris insurance prices range from the low end price of $504 for just liability insurance to a high rate of $2,664 for a high-risk insurance policy.

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

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

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

The ranges above highlight why all drivers should get quotes for a targeted area, rather than using 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.

More Rate Details

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

  • The best discount rate is $716
  • Choosing higher $1,000 deductibles can save approximately $140 every year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,228
  • Using low deductibles for comp and collision coverage bumps up the cost to $1,500
  • Drivers who are prone to accidents and violations could pay up to $2,664
  • The price that insures a teenage driver can cost as much as $4,772 each year

View Chart as Image

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

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

If you have some driving violations or you caused an accident, you are likely paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges around 44% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,750 on average in Louisiana, New York, and Michigan.

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 can save as much as $420 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

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 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.

Toyota Yaris Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Yaris $240 $446 $430 $1,274
2019 Toyota Yaris $226 $430 $442 $1,256
2018 Toyota Yaris $218 $400 $452 $1,228
2017 Toyota Yaris $208 $376 $456 $1,198
2016 Toyota Yaris $200 $338 $460 $1,156
2014 Toyota Yaris $180 $292 $464 $1,094
2013 Toyota Yaris $176 $272 $474 $1,080
2012 Toyota Yaris $164 $252 $474 $1,048
2009 Toyota Yaris $140 $190 $474 $962
2008 Toyota Yaris $134 $170 $468 $930
2007 Toyota Yaris $132 $166 $460 $916

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 More Affordable Toyota Yaris Insurance

Getting lower rates on auto insurance takes being a good driver, having a positive credit history, being claim-free, and possibly higher deductibles. Compare prices at least every other year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a summary of the car insurance concepts raised in the charts and tables above.

  • Drivers who have multiple accidents or major violations could be charged and average of $1,440 more annually than a safer driver
  • You may be able to save approximately $150 per year just by quoting online in advance
  • Increasing physical damage deductibles can save approximately $400 each year
  • Consumers who want an increased level of liability coverage will pay an extra $500 per year to raise limits from a low limit to the 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. 

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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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