Toyota Yaris Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota Yaris costs less than most other cars to insure.

• Full coverage auto insurance for a Yaris tends to be around $160 a month, on average, while liability only insurance typically runs about $78 per month.

• The lowest car insurance company for a Yaris is The Hartford.

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Yaris Overview

The Toyota Yaris is a great car for drivers on a budget, with a base price of just $15,650 for 2020 models. You'll have your choice of two different trim levels, so every driver can find an option to match their style.

After analyzing thousands of insurance quotes through Compare.com, we've determined that average Toyota Yaris auto insurance rates run around $167 a month. But how does that fare against its competitors?

How Much is Car Insurance for a Toyota Yaris?

If you look at the table above, you'll see that Toyota Yaris insurance premiums are right about average compared to other vehicles on the road. On average, Yaris owners will pay around $78 monthly for liability insurance, and about $160 per month for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

When you compare it to other Toyota models, the Yaris's insurance rate is in line with the rest of the manufacturer's vehicle offerings. Compared to offerings from other brands, insurance for a Yaris is also more affordable, with full coverage insurance prices coming in around $17 less and $5 less for liability only insurance.

When compared to all vehicles, regardless of model, body style, or make, car insurance rates for both liability only and full coverage policies run more affordable than average.

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Who has the Cheapest Car Insurance for a Toyota Yaris?

If you're in the market for a new auto insurance policy for your Toyota Yaris, you may be wondering which carrier offers the most affordable rates. While costs will usually be pretty different from policyholder to policyholder, MetroMile and and American Family offer the most affordable average rates for liability only coverage, with rates as low as just $31 monthly.

Shelter Mutual, Arrowhead, and CaliforniaCasualty round out the end of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since insurance companies look at a wide array of things when calculating premiums. The only way to guarantee you find the cheapest rates is to compare quotes from a multitude of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Toyota Yaris?

As we mentioned above, there are lots of factors that car insurance companies reference to calculate how much they charge -- and each company weighs different pieces more heavily than others, so there's not a single carrier that's the most affordable for everyone.

The sections below show a whole range of variables insurance carriers use to calculate rates:

Vehicle Age

The Toyota Yaris has been around for a while -- that means vehicle age can make a big difference in what you end up paying for car insurance. Typically, it costs more to insure newer cars because they're worth more, however, as time goes on and Yarises begin to depreciate, insurance costs will gradually decrease.

Based on the information in the above table, the Toyota Yaris follows this trend, as the cheapest models to insure are those that are 15 years old or more, while on average, the most expensive models are Yarises that are 1 year old or less.

Your Age

Your age is another factor that plays a role in how much you pay for auto insurance. As you can see above, young drivers pay more compared to older Yaris drivers. In this case, drivers under 18 pay over three times as much as those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for Yaris drivers.

Your Gender

Did you know women tend to pay less for car insurance than men? This is because women are less likely to get tickets and get into accidents, which decreases the chances of an insurance claim. The Toyota Yaris is no different, and women pay about $75 per month for auto insurance and men pay around $83.

Where You Live

You may think it's obvious that factors like how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live matters, too? Insurance is regulated on the state level and not nationally, so premiums can change quite a bit from state to state.

For example, the average Toyota Yaris driver in New York pays about $148 a month for liability coverage. Meanwhile, on average, the same Californian owner will pay less than half of that price. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change across states.

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Toyota Yaris Car Insurance Discounts

Regardless of your age, your car, or your home state, using as many discounts as possible when it comes to your auto insurance policy is always important.

Even though all car insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Multi-policy discounts for using the same insurance company for both your home and auto insurance
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Pay-in-full discounts for choosing to pay your entire policy price up front, rather than by monthly payments
• Multi-vehicle discounts for adding more than one car to your auto policy

But these aren't the only discounts insurance companies offer to their customers. And often, the best way to save isn't through a "discount" at all, but rather by having a profile that shows positive driving habits to insurance carriers.

Even though you may not be able to control every variable car insurance companies look at to calculate premiums (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use in your favor in order to save money on insurance:

Your Driving Record

You've no doubt heard ads from auto insurance carriers promoting large discounts for good drivers. It makes sense that your insurance prices will go higher if you get tickets for speeding or get into an accident. But how much will they cost you?

As you can tell from the table above, accidents will usually cost Yaris drivers more than tickets, but both will result in a raise in rates. Toyota Yaris drivers with a single accident on their record pay about $103 every month (up $25 from the $78/mo. overall average), while drivers with one ticket will pay an average of $88 per month. Drivers who have multiple kinds of either violation will end up paying even more.

How Much You Drive

The amount of miles you drive each year impacts your auto insurance premiums. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll normally get cheaper rates. Based on the table above, you can see that Toyota Yaris owners who drive fewer than 2,500 miles per year pay about $72 monthly for car insurance, while those who put 10,000 miles or more on their cars pay $77.

If you happen to be one of those drivers who put very few miles on your Toyota Yaris each year, it may be worth considering usage-based or pay-per-mile auto insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Toyota Yarises Compare to Other Vehicles?

If you're thinking about buying a new car and a Toyota Yaris is on your shortlist, you might be wondering how it compares to other vehicles. Car insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering carefully.

Take a look at the table below to see how the Toyota Yaris compares:

With an MSRP that's less than half of the going rate for a new vehicle, the Toyota Yaris is a fantastic value for any budget. The Yaris retails at $15,650, which is quite a bit lower than the national average vehicle MSRP of $46,538.

Although the purchase price is on the cheaper end of the spectrum, insurance premiums are higher when compared to the rest of the vehicle market. Liability insurance for a Toyota Yaris is around $27 per month more than average, while full coverage is over $30 more a month.

When it comes to usage, Toyota Yaris drivers are pretty close to the national average in annual miles driven, with 11,631 miles a year compared to 11,660 for all vehicles.

Toyota Yaris Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect how much the average driver pays to insure a Toyota Yaris. If you're thinking about buying a new vehicle and the Yaris is one you're considering, knowing what you'll likely pay for the specific car you're looking at can be helpful as you consider your choices.

For this reason, we've broken down Toyota Yaris car insurance rates by model year. Simply choose a specific Yaris model year in the dropdown below and see average rates for both liability only and full coverage, as well as some other helpful info, like the base MSRP, which trim levels are offered, and who offers the lowest policies for each Yaris model year.

Choose Your Model

2020 Toyota Yaris Car Insurance 2019 Toyota Yaris Car Insurance 2018 Toyota Yaris Car Insurance 2017 Toyota Yaris Car Insurance 2016 Toyota Yaris Car Insurance 2015 Toyota Yaris Car Insurance 2014 Toyota Yaris Car Insurance 2013 Toyota Yaris Car Insurance 2012 Toyota Yaris Car Insurance 2011 Toyota Yaris Car Insurance 2010 Toyota Yaris Car Insurance 2009 Toyota Yaris Car Insurance 2008 Toyota Yaris Car Insurance

2020 Toyota Yaris Car Insurance

It costs about $108 monthly for liability or $203 for a full coverage policy for the 2020 Toyota Yaris.

With prices sometimes as little as $27 a month, Mercury offered the cheapest policy we found.

These average rates are a great starting point if you're in the market for a 2020 Toyota Yaris, but there are many things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2019 Toyota Yaris Car Insurance

The average cost to insure a 2019 Yaris with liability only coverage is $109 per month, while full coverage runs around $206 a month.

Looking for the most affordable policy? MetroMile offered liability only coverage for as little as just $30 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2018 Toyota Yaris Car Insurance

You can expect full coverage for a 2018 Toyota Yaris to run about $186 monthly, while liability only coverage will average around $88 a month.

With premiums as low as $17 monthly, Mile Auto offered the cheapest policy we found for the 2018 Toyota Yaris.

Want something more accurate than national averages? All you need to do is enter your ZIP code below and you'll be on your way to comparing multiple personalized quotes from the nation's top insurance companies.

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2017 Toyota Yaris Car Insurance

2017 Yaris drivers can expect to pay an average of $81 per month for liability or $187 for full coverage.

We found MetroMile offered the lowest policy, with rates as little as $18 monthly.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2016 Toyota Yaris Car Insurance

On average, drivers who own a 2016 Toyota Yaris can expect to pay $78 to $173 a month for liability only and full coverage insurance, respectively.

MetroMile has prices sometimes as cheap as $29 per month for the 2016 Toyota Yaris.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2015 Toyota Yaris Car Insurance

The average cost to insure a 2015 Yaris with liability only coverage is $73 monthly, while full coverage runs about $165 per month.

Clearcover offered the cheapest policy we found, with rates sometimes as low as $19 a month.

Interested in what your car insurance price will be? Just enter your ZIP code below to get lots of free customized quotes.

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2014 Toyota Yaris Car Insurance

2014 Toyota Yaris drivers can expect to pay an average of $88 per month for liability or $162 for full coverage.

If you're looking for the lowest possible 2014 Toyota Yaris insurance policy, Elephant offered the lowest policy we found, with rates as cheap as just $19 a month.

If you want to know exactly how much you can expect to pay for your Yaris, get free quotes in minutes by just entering your ZIP code below.

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2013 Toyota Yaris Car Insurance

On average, drivers who own a 2013 Yaris can expect to pay $68 to $154 monthly for liability only and full coverage auto insurance, respectively.

Looking for the most affordable policy? Liberty Mutual offered liability only coverage for as cheap as $17 a month.

Want to know exactly how much you'll pay? Enter your ZIP code below to get a variety of personalized quotes for free.

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2012 Toyota Yaris Car Insurance

It costs around $86 per month for liability or $148 for a full coverage policy for the 2012 Toyota Yaris.

Commonwealth Casualty offered the lowest policy we found, with rates as cheap as just $20 monthly.

While these are good estimates of what the average driver might pay to insure a 2012 Toyota Yaris, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2011 Toyota Yaris Car Insurance

You can expect full coverage for a 2011 Yaris to run about $131 per month, while liability only coverage will average around $60 monthly.

If you're looking for the most affordable 2011 Toyota Yaris insurance policy, Safeco offered the cheapest policy we found, with rates sometimes as low as $27 a month.

Interested in just how much you'll pay? Get multiple free personalized quotes by just entering your ZIP code below.

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2010 Toyota Yaris Car Insurance

It costs about $70 monthly for liability or $140 for a full coverage policy for the 2010 Toyota Yaris.

Clearcover has prices as little as $19 a month for the 2010 Toyota Yaris.

If you want to know exactly how much you can expect to pay for your Yaris, just enter your ZIP code below and get free quotes in minutes.

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2009 Toyota Yaris Car Insurance

On average, drivers who own a 2009 Yaris can expect to pay $80 to $153 per month for liability only and full coverage car insurance, respectively.

With rates as low as just $17 a month, Liberty Mutual offered the most affordable policy we found.

If you're looking for a more exact figure on what you should pay for insurance for a 2009 Toyota Yaris, you can get free quotes in minutes by just entering your ZIP code below.

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2008 Toyota Yaris Car Insurance

The average cost to insure a 2008 Toyota Yaris with liability only coverage is $74 monthly, while full coverage runs around $138 per month.

We found ACG offered the cheapest policy, with rates as little as just $16 monthly.

If you want to find the best prices for auto insurance for a 2008 Toyota Yaris, enter your ZIP code below and compare numerous personalized quotes in just a few minutes.

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Toyota Yaris Insurance FAQs

Is a Toyota Yaris expensive to insure?

It costs less to insure a Toyota Yaris when compared to the average car. Liability insurance runs an average of $78 per month, while full coverage will cost you around $160.

How can I get the best price on car insurance for my Toyota Yaris?

There's only one way to ensure you're getting the most affordable rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a lot of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota Yaris affect my insurance premiums?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not the case. There are several variables insurance companies think about when they calculate your rates, but the color of your Toyota Yaris isn't one of them.

Do I need to have insurance before I buy a Toyota Yaris?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have a valid auto insurance policy. Some dealerships might offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a an car is to let your car insurance carrier know before you buy.

What car insurance discounts can I get for my Toyota Yaris?

You will find lots of different discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the Yaris you drive, but if your Yaris has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out is to contact your insurance company and ask about their list of discounts.