Toyota Yaris Insurance Rates
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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 auto insurance rates for a Toyota Yaris are $1,228 annually with full coverage. Comprehensive costs around $218, collision costs $400, and liability is $452. A policy with just liability insurance costs around $504 a year, with coverage for high-risk drivers costing around $2,664. Teens receive the highest rates at $4,772 a year or more.
Average premium for full coverage: $1,228
Rate estimates for individual coverage type:
Includes $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for all Yaris models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $504 for minimum levels of liability insurance to the much higher price of $2,664 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion.
The example below illustrates how rural and urban location affects auto insurance rates.
These examples demonstrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of using 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 details estimated Toyota Yaris insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $716
- Raising to $1,000 deductibles will save about $140 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,228
- Selecting pricier low deductibles will cost $1,500
- At-risk drivers with serious driving violations could pay at least $2,664 or more
- The cost with full coverage for a teen driver for full coverage can be $4,772
Insurance rates for a Toyota Yaris can also vary considerably based on the trim level of your Yaris, your driving record, and deductibles and policy limits.
A more mature 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. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,500 to $2,100 additional per year, depending on your age. Toyota Yaris insurance for high-risk drivers is expensive and can cost as much as 44% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $420 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Toyota Yaris insurance prices. A middle-age driver might find rates as low as $880 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,660 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy the Cheapest Toyota Yaris Insurance
Saving money on car insurance consists of not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at every policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a recap of the data raised in the charts and tables above.
- Policyholders who may need higher liability limits will pay approximately $500 every year to raise from a minimum limit to higher 250/500 limits
- You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $400 each year
- Teens are charged the highest rates, with premiums as much as $398 per month if they have full coverage
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 | $4,772 |
| 20 | $2,844 |
| 30 | $1,264 |
| 40 | $1,228 |
| 50 | $1,124 |
| 60 | $1,102 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,500 |
| $250 | $1,374 |
| $500 | $1,228 |
| $1,000 | $1,088 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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