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.

The average auto insurance rates for a Toyota Yaris are $1,198 annually including full coverage. Comprehensive costs an estimated $208 a year, collision costs $376, and liability insurance is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing around $2,604. Teenage drivers cost the most to insure at $4,690 a year or more.

Average premium for full coverage: $1,198

Policy rates broken down by type of insurance:

Includes $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Yaris trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

The examples above highlight why it is important to get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $702
• Choosing higher $1,000 deductibles can save approximately $1,066 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,198
• Using low $100 deductibles for comp and collision coverage will cost $1,458
• High-risk insureds who are prone to accidents and violations could pay up to $2,604 or more
• Policy cost with full coverage for a teen driver can cost as much as $4,690 each year

View Chart as Image

Insurance rates for a Toyota Yaris also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $400 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Toyota Yaris insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,710 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Cheapest Toyota Yaris Insurance

Finding cheaper rates on Toyota Yaris insurance takes being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Spend time shopping around once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a recap of the data that was touched on above.

• You may be able to save approximately $140 per year simply by quoting early and online
• Drivers who want higher levels of liability will pay an extra $500 per year to raise limits from a 30/60 limit to higher 250/500 limits
• Teenage drivers are charged the highest rates, with premiums being up to $391 each month including comprehensive and collision insurance
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,410 more annually for auto 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. 

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.