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 insurance rates for a Toyota Yaris are $1,228 a year for full coverage insurance. Comprehensive insurance costs approximately $218, collision insurance costs $400, and liability insurance costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs $2,664 or more. 16-year-old drivers pay the highest rates at up to $4,772 a year.

Average premium for full coverage: $1,228

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Yaris trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities. The price range example below illustrates the difference location can make on auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates using their specific location, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below illustrates average Toyota Yaris insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $716
• Drivers who choose higher $1,000 deductibles will pay $140 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,228
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $272 a year
• High risk drivers with multiple tickets or accidents could pay around $2,664
• The price that insures a teen driver with full coverage can cost $4,772 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age

The state you live in makes a big difference in Toyota Yaris insurance rates. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $420 each year, while increasing your policy's liability limits will push prices upward. Switching 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

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 Find the Best Toyota Yaris Insurance

Getting lower rates on Toyota Yaris insurance not only requires having a decent driving record, but also having a positive credit history, not filing small claims, and attention to physical damage deductibles. Comparison shop at least once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a brief recap of the primary concepts that were touched on in this article.

• It is possible to save around $150 per year just by shopping early and online
• High-risk drivers who tend to receive serious violations could be charged and average of $1,440 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $400 each year
• 16 to 18-year-old drivers pay the highest auto insurance prices, as much as $398 a month if full coverage is purchased

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.