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
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.
Rates vary by model year and insurer. GEICO is cheapest for the Toyota Yaris at $117 a month for full coverage and $54 for minimum. AIG charges the most for full coverage at $292 and UAIC the most for minimum at $144.
Minimum coverage varies by more than $90 between insurers. Full coverage varies by more than $175. Each company calculates model-specific risk differently, which affects 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?
Among 199 sedans, the Toyota Yaris ranks 84th for insurance affordability. It's a few dollars a month more than a Mazda 6 and a few less than a Dodge Avenger. Across all 827 vehicles in MoneyGeek's database, the Yaris ranks 214th, so it's in the top 26% most affordable overall. The Saturn S-Series is the cheapest sedan to insure. The Cadillac CTS-V is the most expensive.
| 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 repair costs are below average for its class. Lower repair costs reduce the insurer's exposure on any claim, which affects premiums.
- Vehicle trim, features and accessories: Horsepower ranges from 106 to 169 depending on trim. Higher-performance trims cost more to insure because more power raises claim risk.
- Driver profile: Most Yaris drivers are 25 to 34, an age range that typically sees lower rates. The Yaris's performance profile can draw higher-risk drivers, which insurers price in. Read more about the costs of Toyota Yaris for young drivers.
Toyota Yaris Insurance Cost by State
Minimum coverage for the Toyota Yaris runs $29 per month in Wyoming and $162 in Louisiana. The car is the same in both states; local risk profiles and insurance regulations create the difference.
| 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.
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.
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
A low quote from an unreliable insurer costs more when it matters. Before buying car insurance, check J.D. Power satisfaction ratings, Better Business Bureau complaints and AM Best financial stability scores. Budget carriers often cut coverage options and slow down claims service exactly 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
Drive carefully and keep annual mileage low? Usage-based programs like Progressive Snapshot or Allstate Drivewise price your premium on actual driving behavior rather than demographic averages. Yaris owners who fit that profile often pay less this way.
- 6Check Rates Every Year
Your insurer won't alert you when a competitor gets cheaper. Pull car insurance quotes from several companies every year. Yaris owners who shop annually save up to 24% compared to those who auto-renew. Set a reminder six weeks before your renewal date.
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?
The Toyota Yaris has low theft rates, below-average repair costs and strong safety ratings, all of which keep premiums lower than average for its class. Your driving record, credit score and coverage level are the biggest factors in your final rate.
How can I lower Toyota Yaris insurance costs?
Compare quotes from at least three insurers, because Toyota Yaris pricing varies between companies. Ask about usage-based programs that track your driving. Claim every available discount, bundle with other policies and keep your record clean.
How We Determined Toyota Yaris Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025.
Who We Based These Rates On
Our baseline is a 40-year-old unmarried male with a clean record, good credit, no prior claims, a valid license with no suspensions and about 12,000 miles driven a year.
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: $100,000/$300,000/$100,000 liability with comprehensive and collision coverage and a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.