The Toyota Yaris is a subcompact sedan or hatchback that first debuted in the U.S. in 2007. Though Toyota officially discontinued the Yaris in 2020, you can still spot these vehicles on the road today. If you 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 behind-the-scenes look at how much it costs to insure a Toyota Yaris by model year and top-rated insurance company in 2026.
Key Takeaways - Toyota Yaris Car Insurance
Toyota Yaris insurance costs an average of $1,916 per year, or approximately $160 per month, for full coverage in 2026.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Toyota Yaris insurance.
Toyota Yaris insurance costs vary widely by state, with drivers in Wyoming paying an average of only $29 monthly for minimum coverage, while those in Louisiana pay $162.
USAA, American Family, and Progressive are the cheapest carriers for model-year 2020 Toyota Yaris insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Toyota Yaris model.
What Is Toyota Yaris Insurance?
Toyota Yaris insurance is a specialized car insurance policy that includes customized coverage for your specific vehicle. As a subcompact vehicle, the Yaris is unlikely to require additional coverage beyond that needed by standard sedans. Further, the Yaris's average car insurance rates trend cheaper than those for other sedans.
Recommended coverage options for Toyota Yaris drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
Add-on coverage options worth considering for a Toyota Yaris:
- Toyota warranty insurance: This can extend Toyota's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Toyota parts during the repair process.
- Gap insurance: If you have a new or financed Toyota vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
Your state likely requires at least certain types of car insurance. A local independent insurance agent can help you get set up with all the required Toyota Yaris auto insurance in your area.
How Much Does Toyota Yaris Insurance Cost?
The average cost of car insurance for a Toyota Yaris is $1,916 per year, or approximately $160 per month, for full coverage. Minimum coverage for a Toyota Yaris costs an average of $994 annually, or approximately $83 monthly. However, several factors can influence the cost of Toyota insurance, including:
- The specific type of Yaris you drive
- Your claims history
- Your location
- Vehicle safety features
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your driving history
- Annual mileage
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Toyota Yaris full coverage insurance or a basic Toyota Yaris liability insurance policy.
Is the Toyota Yaris Expensive to Insure?
No, the Toyota Yaris isn't expensive to insure compared to other Toyota models and other cars in general. The table below compares average auto insurance rates for the Yaris with those for all Toyotas and other cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Toyota Yaris | $160 |
| All Toyotas | $160 |
| All Cars | $175 |
Average Toyota Yaris Insurance Rates Compared to Similar Vehicles
The Toyota Yaris isn't expensive to insure when compared to many other vehicles in its class. The Yaris's average monthly auto insurance rate is nearly the same as that of the Honda Accord, the Mazda 6, and the Dodge Avenger. The table below compares the Toyota Yaris's average auto insurance premiums to those of similar vehicles in its class.
| Vehicle | Average Monthly Cost of Car Insurance |
| Honda Accord | $126 |
| Chrysler 200 | $126 |
| Mazda 6 | $126 |
| Toyota Yaris | $127 |
| Dodge Avenger | $128 |
| Chrysler Aspen | $128 |
| Mercedes E-Class | $128 |
Toyota Yaris Insurance Costs by Model Year
Next, we'll break down several model years of the Toyota Yaris and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2020 Toyota Yaris | $1,928 |
| 2019 Toyota Yaris | $1,837 |
| 2018 Toyota Yaris | $1,685 |
| 2017 Toyota Yaris | $1,688 |
| 2016 Toyota Yaris | $1,605 |
| 2015 Toyota Yaris | $1,515 |
| 2014 Toyota Yaris | $1,523 |
| 2013 Toyota Yaris | $1,476 |
| 2012 Toyota Yaris | $1,569 |
| 2011 Toyota Yaris | $1,430 |
Cheapest Toyota Yaris Car Insurance Companies for 2026
You can find affordable Toyota Yaris insurance from many different carriers across the U.S. These top-rated Toyota car insurance companies provide the cheapest model-year 2020 Yaris insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,348 |
| American Family | $1,408 |
| Progressive | $1,440 |
| Erie | $1,776 |
| Nationwide | $2,515 |
| Allstate | $2,901 |
Toyota Yaris Car Insurance Rates by State
Your location is one of the biggest factors that determine car insurance premium calculations. Here are some average auto insurance rates for the Toyota Yaris 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 |
Average Toyota Yaris Insurance Rates by Trim Level
Your specific Toyota Yaris's trim level can also affect the cost of your coverage. Here are some average Toyota Yaris car insurance rates by trim level in 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 |
Average Toyota Yaris Insurance Rates by Driver Age and Profile
Additional factors that can greatly affect the cost of car insurance include a driver's age, driving history, and credit. Teens and young drivers pay the highest average insurance rates for a Toyota Yaris. Auto insurance premiums tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, car insurance rates begin to rise as they age. Here are some average Toyota Yaris insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,108 | $10,425 | $12,191 |
| 20 | $5,478 | $7,997 | $9,402 |
| 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 |
Best Toyota Yaris Insurance Discounts: How to Lower Your Toyota Yaris Insurance Premiums
Want to save the most money possible on Toyota Yaris insurance? Just try any of these easy strategies to potentially increase your savings today:
- Ask about Toyota Yaris insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Toyota may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Toyota Yaris insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Toyota Yaris insurance from a trusted carrier near you.
Local independent insurance agents know which Toyota Yaris car insurance companies offer the best discounts and savings opportunities. They'll help you get set up with the lowest possible Toyota Yaris insurance premium.
An Independent Insurance Agent Can Help You Get the Best Toyota Yaris Insurance Quotes
When it's time to find the most affordable Toyota Yaris 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 Toyota Yaris insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Toyota Yaris Insurance
How much does Toyota Yaris insurance cost per year?
The average annual cost of full coverage for a Toyota Yaris is $1,916 per year, or approximately $160 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Toyota Yaris insurance premiums?
If you have accidents or other violations on your record, poor credit, prior car insurance claims, or live in a high-theft rate area, you might experience higher Toyota Yaris car insurance premiums.
Is the Toyota Yaris expensive to insure?
No, the Toyota Yaris isn't expensive to insure when compared to similar vehicles in its class, including the Chrysler 200, the Honda Accord, and the Mazda 6.
What are the best and cheapest carriers for Toyota Yaris insurance in 2026?
We found that USAA, American Family, and Progressive are the best and cheapest car insurance companies for model-year 2020 Toyota Yaris insurance this year.
Is insurance cheaper for the Toyota Yaris than for other Toyotas?
Actually, the Yaris's average monthly car insurance rate of $160 is the same as the $160 average for other Toyota vehicles.
How can I get cheaper Toyota Yaris insurance?
Finding cheaper Toyota Yaris insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/toyota-yaris-insurance/
https://www.insuranceopedia.com/auto-insurance/toyota-yaris-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/toyota/yaris/