Toyota Yaris Insurance Rates
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Michelle Robbins
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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.
Average insurance rates for a Toyota Yaris are $1,156 a year for full coverage. Comprehensive insurance costs approximately $200, collision insurance costs $338, and liability is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs $2,502 or more. Teens receive the highest rates at up to $4,546 a year.
Average premium for full coverage: $1,156
Rate estimates by individual coverage type:
Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Yaris models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $510 for minimum levels of liability insurance to the much higher price of $2,502 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance prices.
These examples show why everyone should compare rates quotes using their specific location and risk profile, instead of making a decision based on averaged prices.
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.
Additional Rate Details
The chart below shows average Toyota Yaris insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $682
- Raising to $1,000 deductibles will save $122 a year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,156
- Selecting pricier low deductibles will cost an extra $236 annually
- Drivers with serious driving violations could pay around $2,502
- The cost for full coverage for a 16-year-old driver for full coverage can cost $4,546
Auto insurance rates for a Toyota Yaris can also vary considerably based on your driver profile, the trim level of your Yaris, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $4,500 a year. View Rates by Age
Where you live also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find rates as low as $760 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,650 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,046 | -$110 | -9.5% |
| Alaska | $886 | -$270 | -23.4% |
| Arizona | $960 | -$196 | -17.0% |
| Arkansas | $1,156 | -$0 | 0.0% |
| California | $1,316 | $160 | 13.8% |
| Colorado | $1,106 | -$50 | -4.3% |
| Connecticut | $1,188 | $32 | 2.8% |
| Delaware | $1,308 | $152 | 13.1% |
| Florida | $1,446 | $290 | 25.1% |
| Georgia | $1,066 | -$90 | -7.8% |
| Hawaii | $830 | -$326 | -28.2% |
| Idaho | $782 | -$374 | -32.4% |
| Illinois | $862 | -$294 | -25.4% |
| Indiana | $868 | -$288 | -24.9% |
| Iowa | $780 | -$376 | -32.5% |
| Kansas | $1,098 | -$58 | -5.0% |
| Kentucky | $1,576 | $420 | 36.3% |
| Louisiana | $1,710 | $554 | 47.9% |
| Maine | $714 | -$442 | -38.2% |
| Maryland | $954 | -$202 | -17.5% |
| Massachusetts | $926 | -$230 | -19.9% |
| Michigan | $2,008 | $852 | 73.7% |
| Minnesota | $968 | -$188 | -16.3% |
| Mississippi | $1,384 | $228 | 19.7% |
| Missouri | $1,026 | -$130 | -11.2% |
| Montana | $1,240 | $84 | 7.3% |
| Nebraska | $912 | -$244 | -21.1% |
| Nevada | $1,386 | $230 | 19.9% |
| New Hampshire | $834 | -$322 | -27.9% |
| New Jersey | $1,294 | $138 | 11.9% |
| New Mexico | $1,024 | -$132 | -11.4% |
| New York | $1,218 | $62 | 5.4% |
| North Carolina | $666 | -$490 | -42.4% |
| North Dakota | $946 | -$210 | -18.2% |
| Ohio | $798 | -$358 | -31.0% |
| Oklahoma | $1,188 | $32 | 2.8% |
| Oregon | $1,060 | -$96 | -8.3% |
| Pennsylvania | $1,102 | -$54 | -4.7% |
| Rhode Island | $1,542 | $386 | 33.4% |
| South Carolina | $1,048 | -$108 | -9.3% |
| South Dakota | $974 | -$182 | -15.7% |
| Tennessee | $1,014 | -$142 | -12.3% |
| Texas | $1,392 | $236 | 20.4% |
| Utah | $856 | -$300 | -26.0% |
| Vermont | $790 | -$366 | -31.7% |
| Virginia | $692 | -$464 | -40.1% |
| Washington | $894 | -$262 | -22.7% |
| West Virginia | $1,060 | -$96 | -8.3% |
| Wisconsin | $800 | -$356 | -30.8% |
| Wyoming | $1,030 | -$126 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $360 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. Toyota Yaris insurance for high-risk drivers is expensive and can cost from 42% to 135% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Yaris 2-Dr Hatchback | $1,206 | $101 |
| Toyota Yaris 4-Dr Hatchback | $1,146 | $96 |
| Toyota Yaris 4-Dr Sedan | $1,146 | $96 |
| Toyota Yaris S 2-Dr Hatchback | $1,238 | $103 |
| Toyota Yaris S 4-Dr Hatchback | $1,176 | $98 |
| Toyota Yaris S 4-Dr Sedan | $1,176 | $98 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota Yaris | $218 | $400 | $452 | $1,228 |
| 2019 Toyota Yaris | $208 | $376 | $456 | $1,198 |
| 2018 Toyota Yaris | $200 | $338 | $460 | $1,156 |
| 2017 Toyota Yaris | $188 | $310 | $460 | $1,116 |
| 2016 Toyota Yaris | $180 | $292 | $464 | $1,094 |
| 2014 Toyota Yaris | $164 | $252 | $474 | $1,048 |
| 2013 Toyota Yaris | $158 | $228 | $478 | $1,022 |
| 2012 Toyota Yaris | $148 | $210 | $474 | $990 |
| 2009 Toyota Yaris | $132 | $166 | $460 | $916 |
| 2008 Toyota Yaris | $130 | $160 | $452 | $900 |
| 2007 Toyota Yaris | $120 | $152 | $446 | $876 |
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 the Best Toyota Yaris Insurance
Saving money on insurance for a Toyota Yaris consists of not taking risks behind the wheel, having good credit, eliminating unneeded coverage, and possibly higher deductibles. Make time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.
The following is a brief recap of the concepts that were touched on in this article.
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,350 more per year for Yaris insurance
- Teens have the highest car insurance rates, costing as high as $379 per month if they have full coverage
- Drivers can save around $130 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save around $350 each year
- Drivers can save around $130 per year just by quoting online well ahead of the renewal date
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,546 |
| 20 | $2,668 |
| 30 | $1,186 |
| 40 | $1,156 |
| 50 | $1,060 |
| 60 | $1,038 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,392 |
| $250 | $1,282 |
| $500 | $1,156 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,156 |
| 50/100 | $1,268 |
| 100/300 | $1,383 |
| 250/500 | $1,682 |
| 100 CSL | $1,314 |
| 300 CSL | $1,567 |
| 500 CSL | $1,751 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,438 |
| 20 | $4,254 |
| 30 | $2,538 |
| 40 | $2,502 |
| 50 | $2,394 |
| 60 | $2,372 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $60 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $80 |
| Total Discounts | $474 |
Discounts are estimated and may not be available from every company or in every state.
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