Toyota Yaris insurance group and cost

The Toyota Yaris is a small city car produced by the Japanese manufacturer since 1999. It’s a reasonably affordable car, but its more upmarket models can be on the costly side to run and insure. In this guide, we’ll look at car insurance costs for the Toyota Yaris and how you could save on your premiums.

How much does it cost to insure a Toyota Yaris?

To give you an idea of how much it could cost you to insure your car, we ran a number of quotes to find an average figure. Our results estimated that, on average, you could insure your Toyota Yaris with a comprehensive policy for the monthly price of £44.37, or an annual sum of £485.27.

• How we got this rate

  We generated these quotes using the following assumptions.

  The vehicle is/has:

  • A 2018 model
  • Manual transmission
  • 1.2 litre petrol engine
  • 10,000 mileage per year
  • Factory-fitted, Thatcham-approved alarm system
  • Used for social, domestic and commuting purposes
  • Not modified
  • Parked in a car park during the day
  • Parked on a driveway at night

  The driver is/has:

  • A 30-year-old teacher from London
  • 5 years no claims discount
  • No driving or other convictions for the past 5 years

However, this is just an average: your actual premium will depend on a number of factors, including the insurance group the car is in.

Toyota Yaris insurance groups

Vehicles in the UK are categorised into insurance groups, ranging from 1 (the cheapest) to 50 (the most expensive), which partly determine the cost of your premium.

Toyota Yaris models range from insurance group 2 to group 36. This means the cost of insurance can vary significantly between various Toyota Yaris models, from the more affordable end of the spectrum to the pricier end of the range. For example, a 30-year-old driver in an average postcode could pay:

• around £553 for cover on a Toyota Yaris Active 1.0 VVT-i 5d, which is in insurance group 2
• or around £1,838 for a group 36 car like the Toyota Yaris GRMN 1.8 Dual VVT-i 3d.

That’s a huge difference of more than £300 to insure the same make of car. This is due to a number of factors including the model’s engine size and price.

However, the insurance group isn’t the only factor determining the cost of your car insurance: one of the most important other factors is your age. The younger you are, the more risk you represent to insurers, and the more you’re likely to pay for insurance.

That’s why, in the table below, we show you the cost you’d be likely to pay at a few different ages.

Toyota Yaris insurance cost by driver’s age

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused)

Toyota Yaris insurance cost by location

The table above shows the average cost of Toyota Yaris insurance based on insurance groups and driver age. However, many other factors affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you’ll be involved in an accident, and this affects the cost of insurance.

To demonstrate the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Toyota Yaris 1.0 VVT-i T2 3d.

• Expensive: £848 (London SE1)
• Average: £564 (Newcastle NE1)
• Cheap: £550.06 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused)

What other factors affect the insurance rate for my Toyota Yaris?

• Your marital status
• Your credit history and job
• Your car’s safety rating, security and anti-theft precautions
• The model of your car (particularly the engine type and capacity)
• The age of your car
• Annual miles driven
• Your driving history
• No claims discount

How can I save on my Toyota Yaris premiums?

When searching for insurance, you’ll want to find the best deal for a price that’s within your budget. We’ve uncovered some tricks you can try to lower the cost of your premium: take a look below.

• Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
• Pay annually rather than monthly. It might be scary to part with a large sum in one go, but if you’re able to pay annually you may be able to save an average of £47.17 a year.
• Don’t just accept your renewal quote. When it’s time for renewal, it’s worth investing a couple of hours to shop around: there may be cheaper options out there.

Is a Toyota Yaris cheap to insure?

Finder insurance expert Danny Butler answers

Let’s say you’re doing everything you can from the list above: you’re driving less, you’re paying annually, you’re shopping around for insurance quotes. Does that mean you’ll find a Toyota Yaris cheap to insure?

As we’ve already established, it depends on the model. One factor affecting insurance groups is engine size. In general, the bigger the engine, the higher the cost of your insurance, because these engines are more expensive to repair or replace. For example, it may cost £553 to insure the 1.0-litre Toyota Yaris 1.0 VVT-i Icon TSS 5d, while you may pay £537 for the 1.4-litre Toyota Yaris 1.4 D-4D Icon TSS 5d.

Finally, the safer your car is, the less of a risk it will be for companies to insure, and therefore the lower your premium is likely to be.

How safe is a Toyota Yaris?

When tested by Euro NCAP in 2020, the Toyota Yaris was awarded 5/5 for safety. It scored well on both adult and child occupant safety, being awarded 86% and 81% respectively. It also earned a score of 85% for its safety assist.

As standard, the Yaris comes with some great safety measures, including AEB City and AEB Inter-urban, which monitor the distance between your car and an obstacle in front, and can either brake autonomously or assist your braking in an emergency, to help you to avoid rear-ending and low speed collisions. The Yaris also comes with a Lane Assist system, to help you keep in your lane and prevent drifting.

It might be worth getting on the phone with your insurance provider and negotiating lower premiums for increased safety features, such as a speed assistance system to help you keep to the legal speed limit.

The bottom line

The cost of insuring a Toyota Yaris varies widely depending on your choice of model. Either way, the tips in this guide will help you keep costs down. If you’re on the lookout for a car insurance provider, check out our comprehensive list of the best car insurance companies in the UK.

Frequently asked questions

• What is the top speed of a Toyota Yaris?

  Depending on the model version, you can expect a Toyota Yaris to reach a top speed of 109 miles per hour.

• How much car tax do I have to pay for the Toyota Yaris?

  Car tax rates depend on the car’s emissions: see the UK government website for details.

• Where can I buy a Toyota Yaris?

  You can buy a Toyota Yaris at dealerships, using online sellers or from a current owner.

• Where can I find Toyota Yaris car insurance?

  You can compare the costs of Toyota Yaris car insurance using any price comparison website.

• Is a Toyota Yaris a good first car?

  The Toyota Yaris won the European Car Of The Year award for 2021: it’s a popular choice, particularly because of its reliability. Remember that younger or newer drivers pay more for insurance, so you may want to look at one of the models in lower insurance groups to keep your costs down.

• Is the Toyota Yaris cheap to run?

  Toyota Yaris is one of the cheapest non-electric small cars to run, according to What Car, because of its fuel efficiency (see below) and reliability.

• Does the Toyota Yaris use a lot of fuel?

  The Toyota Yaris achieves an impressive 60mpg on average.

• Is the Toyota Yaris being phased out?

  It’s been discontinued in the US, but we’re not aware of any plans to phase it out in the UK.

Compare insurance for other Toyota models

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.