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Car Insurance Quotes for a Toyota Yaris

Are You Getting the Cheapest Car Insurance Available for a Toyota Yaris?

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How Much Is Car Insurance for a Toyota Yaris?

On average, owners of a Toyota Yaris can purchase full coverage auto insurance for $1,920 per year and $936 for minimum liability coverage.

Full coverage is more expensive because it includes a much higher level of protection for you, while your state-required minimum liability coverage will only pay up to policy levels for the injuries and property damage of other parties in an accident you cause.

Freeway Insurance is ready to assist if you have questions about structuring your next policy or looking for more affordable cheap auto insurance options.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for a Toyota Yaris to Other Vehicles

Toyota Yaris drivers should expect to pay different premiums than Honda Fit, Kia Rio, Nissan Versa, and Chevrolet Sonic drivers.

There are several reasons for this, including varying costs of parts and labor, theft rates, safety records, depreciation rates, and dozens of other variables used to assess the insurability of every make and model on the market.

Make/Model Annual Full Coverage Insurance
Toyota Yaris $1,920
Honda Fit $2,028
Kia Rio $2,112
Nissan Versa $1,372
Chevrolet Sonic $1,770

Types of Car Insurance Coverage for a Toyota Compact

There are many types of auto insurance options. You can decide to meet basic requirements with a liability-only policy or seek greater protection with full coverage.

There are several benefits to both. However, full coverage offers substantially greater protections than liability-only with the addition of two first-party benefits collision and comprehensive.

Full Coverage

Full coverage policies typically include a combination of liability, collision, and comprehensive.

Liability provides third-party benefits, whereas collision and comprehensive provide first-party benefits, paying for the repair or replacement of your vehicle due to collision- and non-collision-related events like natural disasters and deer encounters.

Thanks to the increased number of full coverage protections, expect a cost difference over liability-only policies. Of course, premiums are subject to change based on location, driving history, vehicle type, age, gender, and dozens of other variables providers use to assess risk.

State Minimum Liability

All drivers must obtain an auto insurance policy. One of the cheapest options is a liability-only policy, which pays for medical expenses, legal fees, and repairs/replacement of vehicles and property incurred by third parties in an at-fault accident you are responsible for – up to your policy limits. In at-fault states, these policies do not provide any coverage for your own injuries and damages, meaning you’ll have to pay out of pocket for those if you cause an accident.

Every state has its required minimums.

For example, Pennsylvania drivers must have a minimum 15/30/5 policy, or $15,000 in bodily injury per person, $30,000 in bodily injury per accident, and $5,000 in property damage per accident.

Often, a liability-only policy is barely enough to cover the costs of an accident. Opt for higher liability limits to reduce your chances of going out of pocket to pay for remaining expenses. If you can afford it, a 100/300/100 policy is an excellent place to start.

Individual Factors That Influence Pricing for the Yaris

When determining your premium, providers consider several factors, including location, age/gender, and driving record.


Your location has a significant impact on premiums. Cities with a high population density and vandalism rates are likelier to see higher premiums than sparsely populated cities with no crime. No wonder Los Angeles residents pay higher premiums than your typical rural residents.


Your age and gender also play a factor, with younger drivers more likely to see higher premiums thanks to spottier records and overall riskier driving behavior.

Driving Record

Another important factor to consider is your actual driving record. You should expect lower rates if the past three to five years have seen no claims, at-fault accidents, or moving violations. If you want to prove to insurance companies you are a lower risk to insure, consider enrolling in a telematics program that uses a Bluetooth Beacon or GPS-enabled device to track driving behavior such as top speed and time-of-day driven.

Telematics and other usage-based programs can offer up to 20% savings off your premium, depending on the insurer.

 2020 Toyota Yaris Hybrid E-Four.

How Does a DUI Affect Insurance Rates?

Expect some severe havoc on your premiums if you are ever convicted of a DUI.

Four consequences of DUI convictions include higher premiums, conversion to a high-risk status, SR-22 filing, and possible non-renewal of your policy.

As for premiums, expect to be charged significantly more for coverage. Your premiums can double or triple depending on your location, driving record, and whether or not this was a first, second, or subsequent offense. The severity of the offense plays a factor as well. If third parties were injured, expect much more severe consequences.

Any DUI conviction will immediately classify you as high-risk status. Your provider may even deny or cancel your policy, forcing you to seek a policy from a high-risk provider. Naturally, this would lead to higher rates, which will remain elevated for at least three years. How long your rates will remain elevated depends on the insurance company’s policies and your state.

What Are Some Car Insurance Discounts for a Toyota Subcompact?

If you want to save on your monthly premiums, one of the best ways is by applying for car insurance discounts.

Two highly recommended ones are good driver and multi-policy discounts. Good driver discounts are a financial incentive for keeping a safe driving record for the past three to five years, meaning no claims, at-fault accidents, or moving violations.

In turn, multi-policy discounts are awarded to drivers who purchase two or more policies under the same roof. They could be one or more of a combination of home, auto, renters, boat, life, and other eligible policies.

If you’re in the market for other discounts, consider the following:

  • Green Vehicle Discount. This discount could be for you if you drive an electric or hybrid vehicle. Often, these vehicles have lower repair costs, which passes the savings to policyholders.
  • Occupational Discount. If you have a specific occupation or are a member of a professional/trade organization, you might be eligible for an occupational discount. Some jobs require much less driving than others, which providers recognize.
  • Low Mileage Discount. If you drive between 7,500 to 10,000 miles a year, expect to be compensated for it. The fewer miles you drive per year, the lower the risk you pose to the insurer.
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What Are Some of the Characteristics of the Toyota Yaris?

This is a vehicle in the subcompact sedan segment, discontinued after the 2020 model year.

It is available in three trims: L, LE, and XLE, as well as sedan and hatchback body styles.

Standard features on the L include manually adjustable front seats, satellite radio, Apple CarPlay/Android Audio compatibility, and a 7-inch touchscreen. Upgrading to higher trims adds leather seating, automatic climate control, rain-sensing windshield wipers, and heated side mirrors.

Main competitors are the Honda Fit, Kia Rio, Nissan Versa, and Chevrolet Sonic.

Find the Best Car Insurance Rates Online for the Toyota Yaris Today

Freeway Insurance is ready to help you understand how to structure your next policy, making it even more affordable.

To get started with Freeway Insurance, request a quote online, call 800-777-5620, or make an in-person visit to one of our offices for a free, no-obligation consultation with one of our service representatives. We look forward to connecting with you!

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