Newer Toyota Yaris models cost more to insure than older ones since newer vehicles are more expensive to replace. Monthly full coverage premiums range from $187 for 2020 models to about $125 for older Toyota Yaris models.
Toyota Yaris Insurance Cost
Updated: January 27, 2026
Key Takeaways
GEICO offers the most affordable Toyota Yaris insurance on average, though full coverage costs vary widely by model year and insurer, with many companies charging around $180 monthly. Read more.
Among sedans, the Yaris ranks 84th out of 199 for insurance affordability, placing it in the middle tier. Sedans usually cost less to insure than other vehicle types due to lower repair costs and better safety ratings. Read more.
Your Yaris's specific model year impacts insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Yaris model years depending on the age of the drivers.
How Much Is Toyota Yaris Insurance?
Looking for another Toyota model? Read more about the cost of Toyota car insurance models.
Insurance rates depend on model year and insurer. Full coverage for a Toyota Yaris spans $117 monthly with GEICO to $292 with AIG, while minimum coverage goes from $54 with GEICO to $144 with UAIC.
Rate variations (more than $90 for minimum coverage and $175 for full coverage) highlight why comparing insurers matters for Yaris owners. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $90 | $187 |
| AIG | $118 | $292 |
| Allstate | $108 | $209 |
| Amica | $100 | $205 |
| Chubb | $109 | $216 |
| Farmers | $115 | $202 |
| Geico | $54 | $117 |
| Kemper | $85 | $171 |
| Nationwide | $105 | $181 |
| Progressive | $84 | $156 |
| State Farm | $76 | $158 |
| The Hartford | $86 | $147 |
| Travelers | $75 | $137 |
| UAIC | $144 | $179 |
Is Toyota Yaris Expensive to Insure?
MoneyGeek's analysis of 199 sedans shows the Toyota Yaris ranking 84th for insurance affordability, meaning 83 vehicles cost less to insure. It's positioned just a few dollars per month pricier than a Mazda 6 and slightly cheaper than a Dodge Avenger. This middle-tier placement among sedans provides helpful context for budget planning.
While it's middle-of-the-pack for sedans, the Yaris benefits from sedans being affordable to insure overall. Among all 827 cars in our database, it ranks 214th, placing it in the top 26% most affordable models. The Saturn S-Series claims the cheapest sedan spot, while the Cadillac CTS-V commands the highest premiums.
| Honda Accord | $126 | 81 |
| Chrysler 200 | $126 | 82 |
| Mazda 6 | $126 | 83 |
| Toyota Yaris | $127 | 84 |
| Dodge Avenger | $128 | 85 |
| Chrysler Aspen | $128 | 86 |
| Mercedes E-Class | $128 | 87 |
Your Toyota Yaris insurance costs depend on:
- Average repair or replacement costs: Toyota Yaris maintenance expenses remain relatively affordable compared to other vehicles in its class. Lower repair costs usually translate to reduced insurance premiums since insurers consider replacement part availability and labor expenses when setting rates.
- Vehicle trim, features and accessories: The Yaris offers horsepower ranging from 106 to 169 hp depending on your chosen trim level. Higher-performance trims with increased horsepower capabilities cost more to insure since greater power output raises collision risk concerns for insurance companies.
- Driver profile: Most Toyota Yaris drivers fall within the 25 to 34 age group, which benefits from lower risk profiles and reduced insurance rates. However, the vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Toyota Yaris for young drivers.
Toyota Yaris Insurance Cost by State
Car insurance for a Toyota Yaris ranges from $29 monthly in Wyoming to $162 monthly in Louisiana for minimum coverage, depending on where you're located. These cost differences reflect your state's risk characteristics and insurance regulations rather than anything about the vehicle itself.
| Alabama | $68 | $128 |
| Alaska | $57 | $121 |
| Arizona | $98 | $182 |
| Arkansas | $64 | $142 |
| California | $78 | $158 |
| Colorado | $76 | $181 |
| Connecticut | $117 | $201 |
| Delaware | $122 | $203 |
| District Of Columbia | $92 | $171 |
| Florida | $118 | $275 |
| Georgia | $125 | $204 |
| Hawaii | $44 | $98 |
| Idaho | $45 | $91 |
| Illinois | $74 | $138 |
| Indiana | $51 | $100 |
| Iowa | $43 | $102 |
| Kansas | $57 | $133 |
| Kentucky | $102 | $173 |
| Louisiana | $162 | $351 |
| Maine | $41 | $84 |
| Maryland | $131 | $220 |
| Massachusetts | $82 | $173 |
| Michigan | $123 | $236 |
| Minnesota | $67 | $137 |
| Mississippi | $69 | $137 |
| Missouri | $91 | $182 |
| Montana | $55 | $129 |
| Nebraska | $58 | $132 |
| Nevada | $150 | $272 |
| New Hampshire | $57 | $100 |
| New Jersey | $138 | $227 |
| New Mexico | $66 | $146 |
| New York | $104 | $186 |
| North Carolina | $66 | $129 |
| North Dakota | $45 | $98 |
| Ohio | $61 | $118 |
| Oklahoma | $73 | $161 |
| Oregon | $104 | $180 |
| Pennsylvania | $69 | $163 |
| Rhode Island | $100 | $179 |
| South Carolina | $84 | $157 |
| South Dakota | $41 | $124 |
| Tennessee | $63 | $127 |
| Texas | $102 | $210 |
| Utah | $90 | $153 |
| Vermont | $35 | $82 |
| Virginia | $76 | $123 |
| Washington | $76 | $142 |
| West Virginia | $67 | $137 |
| Wisconsin | $52 | $113 |
| Wyoming | $29 | $88 |
Toyota Yaris Costs by Model Year and Insurance Company
Model year importance can't be overlooked when insuring your Toyota Yaris, as costs vary greatly depending on your vehicle's age and your drivers' ages. A 2011 Toyota Yaris costs an average of $214 per month for full coverage car insurance for drivers aged 35 to 55, compared to $217 for a 2020 model.Â
Newer car models tend to be more expensive than older models, though the difference is minimal with the Yaris, while young drivers in their teens and early 20s will pay much more to insure.Â
GEICO offers the cheapest rates across all Toyota Yaris model years and could save certain drivers hundreds of dollars per month versus average costs. Shopping between insurers gives you the best opportunity to reduce your insurance expenses.
Cost of Car Insurance for 2020 Toyota Yaris
| Geico | $58 | $126 |
| National General | $75 | $153 |
| Travelers | $88 | $162 |
| Progressive | $92 | $172 |
| State Farm | $99 | $204 |
| AAA | $108 | $223 |
| The Hartford | $109 | $186 |
| Kemper | $110 | $222 |
| Allstate | $114 | $220 |
| Amica | $117 | $240 |
| Nationwide | $139 | $239 |
| Farmers | $139 | $246 |
| AIG | $146 | $373 |
| Chubb | $147 | $291 |
| UAIC | $154 | $192 |
Cost of Car Insurance for 2019 Toyota Yaris
| Geico | $44 | $95 |
| National General | $57 | $116 |
| Travelers | $67 | $123 |
| Progressive | $70 | $130 |
| State Farm | $75 | $155 |
| AAA | $82 | $170 |
| The Hartford | $83 | $141 |
| Kemper | $84 | $168 |
| Allstate | $86 | $167 |
| Amica | $89 | $182 |
| Nationwide | $106 | $182 |
| Farmers | $106 | $187 |
| AIG | $111 | $283 |
| Chubb | $112 | $221 |
| UAIC | $117 | $146 |
Cost of Car Insurance for 2018 Toyota Yaris
| Geico | $50 | $109 |
| National General | $65 | $133 |
| Travelers | $77 | $141 |
| Progressive | $80 | $149 |
| State Farm | $86 | $178 |
| AAA | $94 | $194 |
| The Hartford | $95 | $161 |
| Kemper | $96 | $193 |
| Allstate | $99 | $192 |
| Amica | $102 | $208 |
| Nationwide | $121 | $208 |
| Farmers | $121 | $214 |
| AIG | $127 | $324 |
| Chubb | $128 | $253 |
| UAIC | $134 | $168 |
Cost of Car Insurance for 2017 Toyota Yaris
| Geico | $42 | $91 |
| National General | $54 | $111 |
| Travelers | $64 | $117 |
| Progressive | $67 | $124 |
| State Farm | $71 | $148 |
| AAA | $78 | $162 |
| The Hartford | $79 | $134 |
| Kemper | $80 | $161 |
| Allstate | $82 | $159 |
| Amica | $85 | $173 |
| Nationwide | $101 | $173 |
| Farmers | $101 | $178 |
| AIG | $106 | $269 |
| Chubb | $106 | $210 |
| UAIC | $111 | $139 |
Cost of Car Insurance for 2016 Toyota Yaris
| Geico | $39 | $84 |
| National General | $50 | $102 |
| Travelers | $59 | $108 |
| Progressive | $61 | $114 |
| State Farm | $66 | $136 |
| AAA | $72 | $149 |
| The Hartford | $73 | $124 |
| Kemper | $73 | $148 |
| Allstate | $76 | $147 |
| Amica | $78 | $160 |
| Nationwide | $93 | $160 |
| Farmers | $93 | $164 |
| AIG | $98 | $248 |
| Chubb | $98 | $194 |
| UAIC | $103 | $128 |
Toyota Yaris Insurance Cost by Trim
Insurance costs for your Toyota Yaris vary by trim, from $63 monthly for minimum coverage on basic L Hatchback 4D models to $206 for full coverage on high-performance Hatchback XLE 4D variants. Performance features, rarity and market value determine where each trim falls in this range.
| L Hatchback 4d | $63 | $121 |
| L Hatchback 2d | $63 | $122 |
| Ia Sedan 4d | $64 | $123 |
| Le Hatchback 4d | $66 | $126 |
| L Hatchback Sedan 4d | $68 | $132 |
| L Hatchback Coupe 2d | $71 | $136 |
| Le Hatchback Sedan 4d | $72 | $138 |
| L Hatchback 3d | $74 | $143 |
| L Hatchback 5d | $75 | $145 |
| Le Hatchback 5d | $78 | $149 |
| Le Hatchback 3d | $78 | $151 |
| L Sedan 4d | $79 | $153 |
| L Hatchback Coupe 3d | $80 | $154 |
| L Hatchback Sedan 5d | $81 | $157 |
| Hatchback 2d | $82 | $157 |
| Se Hatchback 5d | $82 | $158 |
| Se Hatchback 4d | $83 | $161 |
| Le Sedan 4d | $83 | $161 |
| Se Hatchback Sedan 4d | $85 | $165 |
| Le Hatchback Coupe 2d | $85 | $165 |
| Xle Sedan 4d | $88 | $171 |
| Sedan 4d | $91 | $174 |
| Le Hatchback Coupe 3d | $91 | $176 |
| Le Hatchback Sedan 5d | $92 | $177 |
| Hatchback 4d | $94 | $181 |
| Se Hatchback Sedan 5d | $95 | $183 |
| Hatchback Le Sedan 4d | $95 | $184 |
| S Hatchback 2d | $96 | $184 |
| Le Hatchback 2d | $99 | $192 |
| S Sedan 4d | $99 | $191 |
| Hatchback Xle Sedan 4d | $107 | $206 |
| S Hatchback 4d | $107 | $205 |
How to Lower the Cost of Toyota Yaris Insurance
These proven tips help you lower your Toyota Yaris insurance costs:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Toyota Yaris based on ownership status. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for compact cars like your Toyota Yaris. This benchmark assists with shopping among the cheapest car insurance companies offering competitive rates in your area.
- 3Look for More than Just Low Rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers might offer limited coverage or slower service when you need help most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Toyota Yaris owners often qualify for safety features discounts, good driver rewards, multi-vehicle savings and bundling discounts when combining auto and home policies. These reductions can lower your annual premiums.
- 5Consider Alternative Car Insurance Types
Toyota Yaris owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions. These telematics programs monitor your driving behavior and reward careful drivers with meaningful savings on their coverage.
- 6Check Rates Every Year
Get car insurance quotes from several companies annually to ensure you're getting the best deal. Your current insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Toyota Yaris insurance premiums.
Toyota Yaris Insurance Cost: Bottom Line
Toyota Yaris insurance runs affordable compared to average costs, and you'll find decent rates with some effort. Compare quotes from multiple insurers, claim available discounts and adjust your coverage choices to get your best possible rate.
Toyota Yaris Insurance Rates: FAQ
We answer common questions about Toyota Yaris insurance.
What is the average cost of car insurance for a Toyota Yaris?
Toyota Yaris insurance costs $994 annually for minimum coverage and $1,916 for full coverage. This translates to approximately $83 monthly for basic protection and $160 for comprehensive coverage.
What company has the cheapest car insurance for a Toyota Yaris?
GEICO provides the most affordable minimum coverage for a Toyota Yaris at $650 annually. The company also delivers the best value for full coverage at $1,401 per year.
Are Toyota Yaris models expensive to insure?
No, Toyota Yaris insurance is not expensive compared to most vehicles. The Yaris places 214th out of 827 models for affordability and ranks 84th among 199 sedans, making it a moderately priced option within its category.
What factors affect insurance costs for Toyota Yaris models?
Multiple factors affect Toyota Yaris insurance costs, though this model tends to be affordable to insure. Low theft rates and reasonable repair costs help keep premiums down, while strong safety ratings can qualify you for discounts. Your driving record, credit score and chosen coverage levels ultimately determine your final rate.
How can I lower Toyota Yaris insurance costs?
Compare quotes from multiple insurers since Toyota Yaris pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with other policies and keep your driving record spotless to get better rates.
How We Determined Toyota Yaris Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Toyota Yaris insurance costs.
Who We Based These Rates On
These Toyota Yaris rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.