The Toyota Yaris is a subcompact car that first debuted in the U.S. in 2007, though it was discontinued after the 2020 model year. Toyota Yaris insurance ranges from $83-$160 per month, depending on what type of coverage you buy. If you still drive a Yaris, it needs to be protected with the right car insurance.
When it's time to find the best Toyota Yaris insurance, an independent insurance agent can assist you. These agents know where to get the right Toyota insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Toyota Yaris by model year and top-rated insurance company in 2026.
Key Takeaways - 2026 Toyota Yaris L Insurance Cost
Toyota Yaris insurance costs an average of $1,916 per year, or approximately $160 per month, for full coverage in 2026.
Toyota Yaris insurance costs vary widely by location, with good drivers in Wyoming paying an average of only $29 per month for minimum coverage, while those in Louisiana pay $162.
Travelers, Progressive, and Kemper are the cheapest carriers for a Toyota Yaris insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Toyota Yaris insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Toyota Y model.
How Much Does Toyota Yaris L Insurance Cost in 2026?
The average Toyota Yaris insurance cost per month is $160 for full coverage and $83 for minimum coverage. So, how much is Toyota Yaris insurance per year? Full coverage averages $1,916 annually, and minimum coverage averages $994 per year. The table below summarizes Toyota Yaris insurance rates in 2026.
| Annual Average | Monthly Average | |
| Full coverage | $1,916 | $160 |
| Minimum coverage | $994 | $83 |
Average Toyota Yaris L Insurance Cost by Model Year
The Yaris was discontinued in the U.S. after the 2020 model year. However, you can still buy Toyota Yaris discontinued insurance, no matter how old your vehicle is. Coverage for the Yaris ranges from $125 per month for a 2016 model to $187 per month for a 2020 model. The table below compares Toyota Yaris L car insurance rates by model year for 2026.
| Model Year | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Toyota Yaris L Insurance Cost by Trim Level
New and used Toyota Yaris insurance rates also vary widely depending on your vehicle's specific trim. The cheapest model to insure is the Toyota Yaris L Hatchback 4D, which averages $63 per month for minimum coverage and $121 per month for full coverage. In contrast, the most expensive model, the Toyota Yaris S Hatchback 4D, costs an average of $107 per month for minimum coverage and $205 per month for full coverage. The table below compares average Toyota Yaris insurance rates by trim level, including Toyota Yaris L vs. LE insurance costs for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Cheapest Insurance Companies for the Toyota Yaris L
Wondering where to find the cheapest car insurance for a Toyota Yaris this year? Travelers has the cheapest coverage rates, starting at an average of just $75 per month. The table below shows the best car insurance companies for a Toyota Yaris in 2026.
| Top Car Insurance Companies | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Travelers | $75 | $137 |
| Progressive | $84 | $156 |
| Kemper | $85 | $171 |
| The Hartford | $86 | $147 |
| AAA | $90 | $187 |
| Amica | $100 | $205 |
| Nationwide | $105 | $181 |
| Allstate | $108 | $209 |
| Chubb | $109 | $216 |
| AIG | $118 | $292 |
| UAIC | $144 | $179 |
Toyota Yaris L Insurance Rates by Driver Age
Your 2026 Toyota Yaris insurance rates will also vary depending on your age. For example, Toyota Yaris insurance for young drivers, including teens, is much more expensive than coverage for older adults. Car insurance rates tend to drop dramatically around age 25. Your credit and driving history can also influence the cost of car insurance.
For comparison, a 17-year-old driver with a clean record pays an average of $7,608 per year for Toyota Yaris insurance, while a 25-year-old driver with a clean record pays an average of $3,173 per year, or less than half. The table below compares average Toyota Yaris insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 17 | $7,608 | $11,175 | $13,043 |
| 18 | $7,108 | $10,425 | $12,191 |
| 19 | $6,303 | $9,221 | $10,771 |
| 20 | $5,478 | $7,997 | $9,402 |
| 21 | $4,567 | $6,730 | $7,831 |
| 22 | $4,438 | $6,550 | $7,672 |
| 23 | $3,919 | $5,717 | $6,741 |
| 24 | $3,688 | $5,464 | $6,387 |
| 25 | $3,173 | $4,679 | $5,476 |
| 30 | $2,519 | $3,698 | $4,311 |
| 35 | $2,325 | $3,451 | $4,017 |
| 40 | $2,215 | $3,331 | $3,843 |
| 45 | $2,212 | $3,175 | $3,775 |
| 55 | $1,980 | $2,920 | $3,482 |
| 65 | $2,119 | $3,075 | $3,615 |
| 75 | $2,636 | $3,895 | $4,540 |
Teen Driver Insurance Cost for the Toyota Yaris L
A 17-year-old Toyota Yaris driver pays between $7,608 and $13,043 per year for coverage, depending on their driving history and credit. An 18-year-old Yaris driver's coverage average ranges from $7,108 to $12,191 per year, and a 19-year-old driver's coverage average ranges from $6,303 to $10,771 per year.
Fortunately, there are a few ways you can reduce teen car insurance rates, such as by asking your insurance company about good student discounts or telematics programs. You can also add your teen driver to your existing car insurance policy. A local independent insurance agent can help you get the cheapest car insurance for a teen driver of a Toyota Yaris.
Toyota Yaris L Insurance Rates by State
Toyota Yaris insurance rates also vary considerably by state. Drivers in Wyoming pay an average of just $29 per month for minimum coverage, while those in Louisiana pay as much as $351. The table below compares the average cost of Toyota Yaris insurance by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
What Affects Your Toyota Yaris L Insurance Premium?
Many different factors can influence your Toyota Yaris insurance costs, including how often you drive your vehicle, your driving history, and more.
Annual Mileage
Driving more than 10,000 to 15,000 miles each year often leads to higher auto insurance premiums. The more you use your vehicle, the greater the risk of being involved in an accident or getting a traffic violation, such as a speeding ticket.
Driving Record
Toyota Yaris drivers without traffic violations or at-fault accidents on their driving record enjoy some of the lowest insurance premiums. Car insurance companies love to reward drivers without speeding tickets, DUIs, accidents, and other violations on their records, as they have a much lower chance of filing claims.
The Value of Your Vehicle
High-value vehicles cost more to insure because repairs or replacements are typically more expensive. If you drive a less expensive model of Yaris, you'll likely enjoy lower car insurance premiums.
Driver Age and Profile
Your age has a major impact on the cost of car insurance. Toyota Yaris insurance for young drivers, especially teens, is much more expensive. However, most Yaris drivers fall into the 25-34 age group, meaning they typically enjoy the lowest possible rates based on age alone. Car insurance rates tend to decline considerably around age 25 until about age 65, then gradually climb again.
Your Credit Score
In many areas, your credit score can affect your car insurance premiums. Car insurance companies associate good credit behavior with good driving behavior. Therefore, the better your credit score, the lower your car insurance premium may be.
Vehicle Trim and Horsepower Level
Base models of the Yaris with less horsepower often cost less to insure. These vehicles tend to have lower MSRPs and repair costs, and may be seen by insurance companies as less risky, thus leading to cheaper car insurance premiums.
Repair Costs
The cost to repair your vehicle can also influence your car insurance premiums. Despite being discontinued, the Toyota Yaris' repair costs shouldn't be too expensive compared to other vehicles, since Toyota parts remain widely available.
Safety Features
If your Yaris is equipped with anti-theft features that make your vehicle harder to steal, you'll likely experience lower car insurance premiums. Also, living in an area with lower Yaris theft rates can result in cheaper car insurance.
Your Deductible
Choosing a higher deductible can lead to lower monthly or annual car insurance premium rates. However, keep in mind that with a higher deductible, you'll have to pay more out-of-pocket each time you file a claim before getting reimbursed.
What Kind of Insurance Do You Need for Your Toyota Yaris L?
You have many options to choose from when building your Toyota Yaris insurance policy. Depending on your state's coverage requirements and the specifics of your vehicle, you may need more or less coverage. An independent insurance agent can help you choose from the available coverage options.
Required Coverage
Consider adding at least these coverage types for your Toyota Yaris, which are typically required by law.
Bodily Injury Liability
If someone is injured in an accident that you cause while driving your Toyota Yaris, your bodily injury liability coverage can help pay for the damage. This policy can cover legal fees, loss of income, pain and suffering, medical expenses, and funeral costs.
Property Damage Liability
If you cause an accident while driving your Toyota Yaris, property damage liability coverage can pay for repairs to the other party's vehicle and property. It may also cover legal defense costs associated with property damage claims.
Medical Payments Coverage and Personal Injury Protection
Depending on your state, you can choose between medical payments coverage and personal injury protection (PIP). Many car accidents result in injury, and this type of insurance can help pay the medical bills associated with recovery. PIP coverage can also pay for lost wages while the injured party is out of work recovering.
Uninsured Motorist Coverage
If you are injured or your vehicle is damaged in an accident caused by a driver who doesn't have insurance, uninsured motorist coverage can cover associated losses up to your policy's limits. Even though liability insurance is required by law in most states, many drivers are still uninsured or underinsured. Your independent insurance agent can help you understand your options for uninsured and underinsured motorist coverage and whether it's a wise choice to add it to your policy.
Optional Coverage
Even though the following types of car insurance aren't typically mandatory, they can be helpful to include in your policy. A local independent insurance agent can help you determine which types of optional coverage are appropriate for your specific Toyota Yaris.
Collision
If you are in an accident, collision coverage can pay for damage to your car from a collision with another object, regardless of fault. However, it doesn't make sense to have collision coverage on an older Toyota Yaris that's already paid off. Your independent insurance agent can help you decide if full coverage is the right choice for you.
Comprehensive
Comprehensive coverage can pay for damage to your car due to a non-collision event, such as a flood or theft. It can help pay for losses if your car is stolen or vandalized, or if you hit a large animal such as a deer. If you have a loan or lease on your car, comprehensive coverage may be required by your lender.
Glass Coverage
A broken windshield demands immediate attention, and in some places, you can get a ticket for driving with damaged glass. A glass coverage policy lets you get your Yaris' broken glass repaired without having to dig into your savings.
Gap Insurance
If you're in an accident that severely damages or totals your Yaris, gap coverage can cover the difference between the amount still owed on the loan and your vehicle's value if you owe more than the car is worth. Every insurance policy has limits, and your insurance company will only pay up to the vehicle's fair market value. Talk with your independent insurance agent about how gap insurance may protect you if you own a newer Toyota Yaris.
Is Full Coverage Worth It on a Used Toyota Yaris?
The general rule when considering full coverage insurance is that if your annual premium would exceed 10% of your vehicle's market value, you might want to consider dropping collision and comprehensive coverage. Average used Yaris values range from $8,000 to $14,000, so if your annual Toyota Yaris full coverage cost would exceed $800-$1,400, you might want to opt for minimum coverage instead. If you drive an older Yaris, skipping collision insurance could save you about $608 per year.
The Safety of Your Toyota Yaris L and How It Affects Your Rate
The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Toyota Yaris L an overall 5-star safety rating. Having specific safety features installed in your vehicle, such as anti-lock brakes, airbags, and daytime running lights, could qualify you for Toyota Yaris insurance discounts through your carrier. The 2020 Yaris has a number of safety features that could help lower your insurance premiums, including the following:
- Driver airbag
- Passenger airbag
- Front head airbag
- Rear head airbag
- Front side airbag
- 4-wheel anti-lock brakes (ABS)
- Front disc/rear drum brakes
- Brake assist
- Electronic stability control
- Daytime running lights
- Child safety locks
- Integrated turn signal mirrors
- Traction control
The Yaris' safety ratings help keep it in the top 26% of vehicles compared for insurance affordability. The Yaris ranks 214th out of 827 total vehicles compared, making it rather inexpensive to insure.
How to Save Money on Toyota Yaris L Insurance
Wondering how to reduce your Yaris insurance premiums as much as possible? Many car insurance companies offer several discounts that can reduce your overall coverage costs significantly. For example, having a Yaris equipped with Toyota safety features can help you earn substantial savings.
Toyota Yaris L Insurance Discounts You May Qualify For
Ask your independent insurance agent about these common car insurance discounts and savings options:
- Good student discounts (~15%-25%)
- Anti-theft device discounts (~35%)
- Affinity discounts (~5%)
- Good driver discounts (~20%-25%)
- Bundling discounts (~20%-25%)
- Multi-vehicle discounts (~25%)
- Telematics/usage-based discounts (~10%-30%)
- Pay-in-full discounts (~20%)
- Safety features (~5%-30%)
- Paperless discounts (~3%-10%)
Shopping and comparing quotes for Toyota Yaris insurance annually with an independent insurance agent can also cut your costs significantly. Your agent can compare rates from dozens of carriers in your area to find the best deal.
Toyota Yaris L vs. Similar Cars: Insurance Cost Comparison
The Yaris ranks 84th out of 199 sedans compared for affordability. Its average monthly rate is comparable to that of many other vehicles in its class, including the Mazda 6, the Chrysler 200, the Honda Accord, and the Dodge Avenger. The table below compares the Yaris' affordability ranking with similar cars.
| Vehicle | Average Monthly Premium | Affordability Ranking |
| 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 |
Buying a Used Toyota Yaris L: What It Means for Your Insurance
Since the Yaris was discontinued in the U.S. after the 2020 model year, you'll most likely be buying a used vehicle. Toyota's Certified Pre-Owned (CPO) Cars Program is designed to ensure that a used Toyota will still be reliable and affordable. Older Yaris vehicles typically cost less to insure than more recent used models due to their lower overall value.
If you own a paid-off Yaris, you might only need minimum coverage. However, if you're financing a Yaris, you might be required to have full coverage by your lender. Minimum coverage for a Yaris averages $83 per month, while full coverage averages $160. Keep these figures in mind for your budget when buying a used Toyota Yaris.
FAQs About Toyota Yaris L Insurance
How much is Toyota Yaris L insurance per month?
Full coverage for the Toyota Yaris averages $160 per month for a 40-year-old driver, while liability coverage averages $83 per month. Rates range from $29 per month for minimum coverage in Wyoming to $351 per month for full coverage in Louisiana.
What is the cheapest insurance company for a Toyota Yaris?
Travelers offers the cheapest insurance for a Toyota Yaris this year, with rates starting at just $75 per month for minimum coverage.
Is the Toyota Yaris cheap to insure?
Yes. Among 199 sedans, the Yaris ranks 84th for affordability at a $127 per month average. Among all 827 compared vehicles, it ranks 214th, placing it in the top 26% of most affordable vehicles. Sedans benefit from lower repair costs and strong safety ratings.
How much does Toyota Yaris insurance cost for a 17-year-old?
A 17-year-old driver with no accidents on record pays an average of $7,608 per year for Yaris insurance. If they have poor credit, this average skyrockets to $13,043 per year. However, car insurance rates drop dramatically around age 25. Further, adding a teen driver to a parent policy is typically cheaper than insuring them on a standalone policy.
What year did Toyota stop making the Yaris?
Toyota discontinued the Yaris after the 2020 model year in the U.S. The 2020 Yaris L, LE, and XLE are the newest models available. Used and certified pre-owned models remain available through dealers.
Do I need full coverage on a used Toyota Yaris?
Full coverage is not legally required unless your vehicle is financed or leased. If the annual premium exceeds about 10% of your car's current market value, dropping collision and comprehensive may make financial sense. Forgoing physical damage coverage on an older Yaris can save you about $608 per year.
How does the Yaris L trim compare to the LE for insurance costs?
The Yaris L hatchback costs an average of $63 per month for minimum coverage, while the Yaris LE hatchback costs an average of $66 per month.
An Independent Insurance Agent Can Help You Get a Toyota Yaris L Car Insurance Quote
When it's time to find the most affordable Toyota Yaris L insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Yaris insurance coverage and cost.
An independent insurance agent can shop and compare several quotes from dozens of insurance companies simultaneously, including Progressive, Nationwide, USAA, and Travelers, to find the cheapest coverage near you. And down the road, your agent will still be there to help you file car insurance claims if the time comes.
Related Links:
Sources
https://www.moneygeek.com/insurance/auto/toyota-yaris-insurance/#cost-by-trim
https://insuraviz.com/vehicles/toyota/toyota-yaris-insurance/
https://www.insuranceopedia.com/auto-insurance/toyota-yaris-car-insurance
https://www.compare.com/auto-insurance/vehicles/toyota/yaris