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.

U.S. average auto insurance rates for a Toyota Yaris are $1,228 annually including full coverage. Comprehensive costs on average $218, collision insurance costs $400, and liability is $452. Buying just liability costs around $504 a year, and insurance for high-risk drivers 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 by individual coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different Yaris trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how geographic area affects car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

The chart below breaks down average Toyota Yaris insurance rates for different risk profiles and scenarios.

• The best discount rate is $716
• Raising to $1,000 deductibles will save around $140 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,228
• Using more expensive low deductibles will cost $1,500
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,664
• The price with full coverage for a teen driver with full coverage may cost $4,772

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $420 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find prices as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,750 on average in Michigan, New York, and Louisiana.

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 Buy Affordable Toyota Yaris Insurance

Getting lower rates on car insurance consists of being a good driver, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to compare rates every couple of years by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief review of the material that was presented in the illustrations above.

• Policyholders who require an increased level of liability coverage will pay an extra $500 per year to raise from a low limit to higher 250/500 limits
• Drivers age 16 to 20 pay higher prices, possibly costing $398 a month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,440 more each year than a safer driver
• Increasing physical damage deductibles could save up to $400 each year

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.