Toyota Yaris insurance costs average $83 monthly for minimum coverage and $160 per month for full coverage. Depending on your specific trim and model year, costs can range from $54 to $208 monthly.
Toyota Yaris Insurance Cost
Updated: December 29, 2025
Key Takeaways
Toyota Yaris insurance costs range from $89 to $208 monthly depending on your coverage choice and specific model year.
The Toyota Yaris ranks 214th for insurance affordability among 827 vehicle models sold in the United States from 2000 to 2025.
GEICO offers the most affordable Toyota Yaris full coverage at $117 monthly, while minimum coverage starts at $54 monthly.
How Much Is Toyota Yaris Insurance?
| Toyota Yaris | $83 | $160 |
Toyota Yaris Insurance Cost by Model Year
Your Toyota Yaris model year and available trims directly influence your insurance rates, with newer models generally costing more due to higher fair value. Monthly premiums for Toyota Yaris coverage range from an affordable $65 to $197, depending on your specific model year.
| 2020 | $97 | $187 |
| 2019 | $73 | $142 |
| 2018 | $84 | $163 |
| 2017 | $70 | $135 |
| 2016 | $65 | $125 |
| 2015 | $91 | $176 |
| 2014 | $78 | $150 |
| 2013 | $75 | $144 |
| 2012 | $77 | $148 |
| 2011 | $103 | $197 |
| 2010 | $91 | $175 |
| 2009 | $96 | $184 |
| 2008 | $85 | $164 |
| 2007 | $86 | $166 |
Toyota Yaris Insurance Cost by Trim
Your Toyota Yaris trim impacts insurance costs based on features, market value and desirability. Our research shows monthly premiums vary widely across trim levels, ranging from $63 for basic models to $206 for premium configurations.
| 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 |
Toyota Yaris Insurance Cost by Company
Toyota Yaris insurance costs vary by provider from $85 to $205 monthly. Minimum coverage ranges from $54 to $144, while full coverage costs $117 to $292. Rates vary due to different risk assessment models.
| 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 |
Toyota Yaris Insurance Cost by State
Toyota Yaris insurance costs range from $29 monthly in Wyoming to $351 in Louisiana.
| 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 Insurance Cost by Driver Profile
Your driving profile, especially age and record, affects Toyota Yaris insurance costs. Young drivers under 25 face rates as high as $307 monthly, while adult drivers between 26-64 with clean records enjoy the lowest rates at just $121 per month.
| Adult Drivers | $83 | $160 |
| Young Drivers | $211 | $403 |
| Senior Drivers | $110 | $202 |
| Drivers With a Speeding Ticket | $103 | $201 |
| Drivers With an Accident | $122 | $234 |
| Drivers With a DUI | $152 | $289 |
| Drivers With Bad Credit | $194 | $389 |
Is a Toyota Yaris Expensive to Insure?
Compared to the rest of the models on the U.S. market, the Toyota Yaris ranks 214th out of 827, making it one of the more affordable cars to insure. Among subcompact hatchbacks, the model ranks 9th out of 17.
| Scion xA | $69 | $133 |
| Pontiac G3 | $70 | $134 |
| Kia Spectra | $70 | $134 |
| Chevrolet Aveo | $75 | $145 |
| Chevrolet Spark | $77 | $148 |
| Hyundai Accent | $80 | $154 |
| Honda Fit | $81 | $156 |
| Suzuki SX4 | $81 | $156 |
| Toyota Yaris | $82 | $157 |
| Nissan Versa | $82 | $159 |
| Mitsubishi Mirage | $83 | $161 |
| Mazda 2 | $84 | $161 |
| Kia Rio | $85 | $163 |
| Scion xD | $87 | $167 |
| Mitsubishi i-Miev | $88 | $171 |
| Chevrolet Sonic | $102 | $197 |
| Mini Cooper | $165 | $319 |
Factors That Affect Toyota Car Insurance Costs
Several factors affect what you'll pay for Toyota Yaris insurance coverage:
- Age: Younger drivers often choose the Yaris, but it also appeals to a wide range of age groups, including older consumers who prioritize reliability and fuel efficiency.
- Gender: The vehicle's practicality and compact size make it popular with male and female drivers.
- Income: The Yaris attracts a broad income range, but it is especially popular among budget-conscious consumers and those with lower to middle incomes.
Average Repair or Replacement Costs
Toyota ranks 1st in repair affordability among 59 U.S. automakers with median annual costs of $478. Low repair costs will help keep insurance costs low for most Toyota models, including the Yaris.
Vehicle Trim, Features and Accessories
The Toyota Yaris, known for its low cost and high fuel efficiency, comes in various trims such as the L, LE, and XLE. Standard features include a 7-inch touchscreen, Bluetooth and a backup camera. Higher trims offer upgrades like push-button start, LED headlights, and leatherette upholstery.
Despite the availability of different trims and features, the Yaris remains an economical vehicle to insure, as its replacement parts and accessories are generally more affordable than those of larger or more luxurious vehicles.
Fuel Type
The Toyota Yaris is a gasoline-powered vehicle that requires 87-octane regular unleaded gasoline. The Yaris Hybrid, available in some markets, combines a gasoline engine and electric motors. Its reputation for excellent fuel economy contributes to lower overall running costs. This can impact insurance rates.
Location
The Yaris is more popular in cities and dense urban areas. In contrast, larger SUVs and trucks are more popular in suburban and rural areas.
A driver's location impacts insurance rates due to factors like traffic density, accident rates and vehicle theft statistics. Drivers in urban areas may face higher premiums due to a higher risk of accidents and theft, even with an affordable car like the Yaris.
Driver Profile
The Toyota Yaris is popular, particularly with younger and first-time car owners. The target demographic for the Yaris is younger, affluent customers who are seeking a small, reliable, and stylish vehicle.
How to Lower the Cost of Toyota Yaris Insurance
We provide below, Toyota Yaris insurance discounts and smart buying strategies:
- 1Choose the right coverage
You'll need to determine how much coverage to buy based on your car's value and your financial situation. If you own your Yaris, you can purchase your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to reduce costs. If you want better protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
Look up average auto insurance costs for compact cars to see typical premiums in your area. Use this benchmark when comparing quotes from the cheapest car insurance companies.
- 3Look for more than just low rates
Low premiums don't help if your insurer delays claims or provides inadequate coverage. Review car insurance companies by checking Better Business Bureau complaints, reading forum discussions and examining J.D. Power satisfaction ratings. Confirm financial stability through AM Best ratings.
- 4Explore discounts you qualify for
Search for car insurance discounts that match your profile. Toyota Yaris owners typically qualify for good student discounts, safety equipment discounts, bundling discounts, paperless billing discounts and good driver discounts.
- 5Consider alternative car insurance types
Look into usage-based insurance programs or GEICO DriveEasy that monitor driving habits. Safe drivers with low annual mileage see the biggest premium reductions.
- 6Check rates every year
Get fresh car insurance quotes from multiple providers each year. Your current rate won't stay competitive forever, and annual comparisons can cut your Toyota Yaris insurance by up to 24%.
Toyota Yaris Insurance Cost: Bottom Line
Insuring a Toyota Yaris costs less than many other cars. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Toyota Yaris Insurance Rates: FAQ
Here are answers to common questions about insuring a Toyota Yaris.
What is the average cost of car insurance for a Toyota Yaris?
The Toyota Yaris's average annual insurance cost is $994 for state minimum and $1,916 for full coverage.
What company has the cheapest car insurance for a Toyota Yaris?
Full coverage policies from GEICO average $117 monthly, making it the cheapest choice for comprehensive protection. Yaris drivers seeking basic minimum coverage can also turn to GEICO for the lowest rates at $54 per month.
Are Toyota Yaris expensive to insure?
No, Toyota Yaris insurance costs less than most cars. Out of 827 vehicles we track, the Yaris ranks 214th for affordability. Among subcompact hatchbacks, the model ranks 9th out of 17.
What factors affect insurance costs for Toyota Yaris?
Several things drive up your Toyota Yaris rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or higher weather-related risks will cost more.
How can I lower Toyota Yaris insurance costs?
Shop around with multiple insurers as rates vary for Toyotas, and consider usage-based insurance programs that track your driving habits. Take advantage of Toyota's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Toyota Yaris Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Toyota Yaris insurance costs.
Who We Based These Rates On
These Toyota Yaris prices reflect what a typical 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.