Yaris Insurance Rates

[swidd]

I touched on the topic in another thread, thank you very much.

Now I'd like some hard numbers however.

How much are you paying for your Yaris insurance? (please include your age).

I was paying $120/month for my Explorer at age 21 without accidents. Of course as basic and non-comprehensive as it can get.

Thanks for 50+ replies!

[brickhardmeat]

93. month 500. collision 250. comp. 29 years

[yoyoche]

3 car policy, 61 years old
Yarii is 31 a month
Actual cash value 500 deductible
Actual cash value 500 deductible
100,00 - 300,000 liability
100,00 - 300,000 uninsured motorist
10,000 medical
10,000 property damage

[HTM Yaris]

40 years old
$ 40 a month

[adamschneider]

It's hard to say, since my wife and I get a multi-policy discount... but the amount listed on the policy is about $47/month for 50K/100K/50K coverage with 500/250 collision/comp deductibles. Our Hyundai Accent costs about 30% more to insure.

I'm 34, have a clean driving record, and live in an urban area. (Your ZIP code makes a significant difference.)

[Astroman]

$128/mo, 26, 2-car policy (comprehensive, $500 ded.) w/a few nicks on my record.

[nqd]

i hate you guys....since i live in mass and right near boston im paying close to 200 a month

[mehrit]

82$ a month. 23 years old. (Would have been less but I just got my license like three weeks ago.)

[roxy84]

41 yrs old
michigan
clean driving record


$580 per year ( i just pay bi-annually, but it comes out to $48.33/month)

500 deductible comp
1000 deductible collision
100,00 - 300,000 liability
100,00 - 300,000 uninsured motorist
20,000 medical
20,000 property damage

[njiteb]

i hate you guys....since i live in mass and right near boston im paying close to 200 a month

really? i live near boston too and i pay around 160 a month and my insurance will be going down in october since i got my license for 6 years

[DMart]

wow, looking at those numbers i feel like i'm getting ripped off...i pay 224 a month, i'm only 20

[solarVitz]

35
married
2 points in my driving record
$600/year - 07 yaris liftback - my car
$900/year - 05 lancer es - wife car
$300/year - 84 corolla sr5 coupe - my car
______________________________
$1800/year = $150/month

[Jerkratt]

once you reach 25 your insurance usually lowers

[brickhardmeat]

once you reach 25 your insurance usually lowers

I wish that were true.:laughabove:

I was going to have to pay $135. for the Yaris as opposed to $97. a month for the Golf. Nationwide tried to explain to me that it is because Toyota parts are so much more expensive.:confused:

Anyway, on the Golf at that rate I had a $50. deductible for comp and $250. for collision. After, hitting them up for all the discounts I could including a long term customer discount I changed my comp to $250. and collision to $500. and that brought me down to $93. for the new Yaris.

[churp]

$127.73 per month for:

2007 Yaris LB.....full coverage $500 ded
1987 Ford F150....liability
1983 Toyota Celica....liability
1980 RX7......liability collector car
1949 Chev truck...liability collector car

age 56

[driver centric]

About $120/mo...23 years old.

[rwseattle]

I pay $ 58.00 per month, Seattle, Washington State

Liability/UIM 250/500/250 (+1 million dollar umbrella)
Collision 1000
Comprehensive 200

It's extremly important that you include high liability and its cost effective to increase your collison deductible. In the todays insurance market insurers use credit to determine a policy discount or the premium market they provide; non-standard, standard, preferred and/or ultra-preferred. The market will be determined by age, credit and past 3yr driving record.

Make sure your credit history is accurate and check if you received the highest score possible. You can check your credit history for free online. You will save a lot with better credit.

Good luck guys,
Ron

[DMart]

well this is my first purchase establishing my credit...no wonder mine is so high

[wufai]

Ok.. hold on to your hats ppl....

24 yr old
Toronto, Canada
comprehensive
1 mil libility
1000 deductible
clean driving recoard for 5 years
$2775/yr = $231/month

what so high??? anyone have lower rates in canada to introduce me too?

[DMart]

Ok.. hold on to your hats ppl....

24 yr old
Toronto, Canada
comprehensive
1 mil libility
1000 deductible
clean driving recoard for 5 years
$2775/yr = $231/month

what so high??? anyone have lower rates in canada to introduce me too?

wow...i thought i was paying the most for insurance

[Bidoup]

I was with ING for the first year I had my car and was paying 92$/months and I switch to a local company and now pay 78$/month. I'm 22....

[voodoo22]

Ok.. hold on to your hats ppl....

24 yr old
Toronto, Canada
comprehensive
1 mil libility
1000 deductible
clean driving recoard for 5 years
$2775/yr = $231/month

what so high??? anyone have lower rates in canada to introduce me too?

For the love of everything I can't figure out why my insurance is so high. In Manitoba I paid less than 1500$ for a new BMW 3 series. In Toronto I pay:

$3601 for my yaris = 300 a month!

Factors which don't help me:

I have one accident in February of 2004
I live in gang Territory in Scarborough

The gang territory thing is huge, because my insurance went from 2800 to 4200 on my previous car just because of the move from Mississauga to Scarborough.

Oh and that's with a $1000 dollar deductable! This province is insane!

I'm 33.

[Black Yaris]

Damn the wife and I pay just over $600 every 6 months for both cars
03 Alero
07 LB
$500 deductable... full coverage, can't remember all the $ amounts

but I have a DUI
1 speeding
and an at fault accident on my reccord

I am 25 (26 tomorrow) and my wife is 27
I wish that were true.:laughabove:

I was going to have to pay $135. for the Yaris as opposed to $97. a month for the Golf. Nationwide tried to explain to me that it is because Toyota parts are so much more expensive.:confused:

Anyway, on the Golf at that rate I had a $50. deductible for comp and $250. for collision. After, hitting them up for all the discounts I could including a long term customer discount I changed my comp to $250. and collision to $500. and that brought me down to $93. for the new Yaris.

BTW you need a new insurance company, because they just raped you with a watermelon..... VW parts are WAY more expensive than Toyota parts.... you need to get that watermelon out of your ass and get a new insurance company

[sherryberry]

I pay like 440 or so every 6 months.. which means it's about 73 a month. My boyfriend's car (under my name) is a vw rabbit is about 413 every 6 months or about $68 a month. Both of them are full coverage through state farm.

oh and i'm 22.. bf's 25. and state farm for some stupid reason listed me as married and i have been too lazy to correct them.

[rwseattle]

Sherryberry, the rate for married couples is less. FYI: When you call them to correct the marital status your premium will increase.

[aca72]

35, Married
$63/month - 2007 Yaris S - Mine
$64.50/month - 2001 Civic Coupe LX - Wife's
That's with Mercury Insurance (http://www.mercuryinsurance.com/).

[07typeS]

I pay about 150 every month. I have what others have said a couple dents on my record lol... one accident a few years ago, not at fault, and a few speeding tickets, not in the yaris though :P

[sherryberry]

Sherryberry, the rate for married couples is less. FYI: When you call them to correct the marital status your premium will increase.

yeah i know.. prob why i haven't bothered to change it as well :smile:

[ExocetCom]

I'm 24 and pay $122/mo with full coverage, $3,000,000 liability, Road Star package and a bunch of other extras.

British Columbia has a public (ie. gov't run socialized) insurance system that keeps base rates extremely low, but everyone gets additional coverage from private insurers. I'm getting a 40% discount for good driving since I was 16 and when I turn 25 next year I'll be eligible for another 10% discount (max is 60% I think) as well as more options for private insurers. There's something about private insurance options being very limited to persons under 25 in B.C.

The rates are really awesome though. I lived in Alberta for a few months in 2005 and had to switch over my insurance on my old '89 Dodge Daytona. I looked into a full year of comparable coverage from Alberta's fully private system and it would have cost me something like $450/mo AND it didn't include glass coverage.

[hoperrs]

I pay $217 per month (Grey Power) for myself, wife, son (Under 25). Was about $300 with Monnex before I switched at age 50.

[alhope34]

Wow, I didn't imagine insurance would be so cheap in the states. I'm paying $116 a month as the third, occasional driver. When I had my '94 Probe GT I was paying $380 a month, and when I was thinking about buying a yaris that was 100% mine, I got quoted no cheaper than $650 a MONTH for a 2006 4 DR hatch.

[WolfWings]

$98.83/month for $100k combined-single-value, $250 Comprehensive/$500 Collission deductable, no accidents, 27 years old single white male.

[OtownYaris]

I'm 26 and I'm paying $78 a month for full coverage. No accidents, good credit. :thumbup:

[MauiDan]

52 years old....54.07 a month ..clean record...500 ded coll and comp..I was going to buy an Accent HB and it was roughly 85.00 to 90.00 more a year to insure than the Yaris.

Glad I bought the Yaris

[sherryberry]

WAHOOO.. my insurance rate just went down to $334.71 for six months. they recalculated something after I complained and now it's $334.71.. full coverage.. 500 deductible and all that other mumbo jumbo. So basically, $55.78ish a month. And I'm not even 25 yet.

[alhope34]

Seriously...how can you people in the USA get so cheap insurance rates? even $100 a month USD would be a cakewalk for me if I was the first driver. I did an online quote and I'd be paying $600 a month if I was first insured, and I did it again where I only changed my age to 26...everything else I kept the exact same, and it still quoted me $390 a month for an 06 4 door hatchback. Even one of the guys I work with is paying $550 a month minimum coverage for a '97 Paseo. Ridiculous...

[sherryberry]

In the U.S. it seems like they love to give discounts for random things.. I had a good student discount for graduating with a B average or better and then I now have the multi-car discount for having more than one car. And the multiline discount cuz I also have homeowner's insurance through them.. and then there's accident free discount for not being in an accident for over 5 yrs, etc. etc. I don't know how they calculate it in Canada.. if there are discounts like this or not but I know without these discounts, our insurance can easily be almost as much.

[alhope34]

we really only have discount for driving school. usually take about 30% off. When I had my learner's liscence I didn't have enough money for school so I didn't take it. I don't get why driving school matters so much to insurance, driving school does NOT make a good driver. Sure, you know a few extra tips here and there, but people are going to drive the way they want to no matter what driving school education they have. My older sister had driving school and her first liscence test she failed, passed on the second try then the full liscence test she passed first try...my first liscence test I passed with a perfect, my full liscence test i got 98% or something...better than my sister did. So, she went through school and has the discount, I didn't go through the school and I am the better driver...the tests prove this. Blah...this whole topic makes me angry. I just find insurance companies up here like to discriminate a lot, which I thought was illegal.

[cm07yaris]

21 years old, $145/month, full coverage $1000 deductible, 2 speeding tickets, 1 traffic sign ticket, and a DWI

[sherryberry]

we really only have discount for driving school. usually take about 30% off. When I had my learner's liscence I didn't have enough money for school so I didn't take it. I don't get why driving school matters so much to insurance, driving school does NOT make a good driver. Sure, you know a few extra tips here and there, but people are going to drive the way they want to no matter what driving school education they have. My older sister had driving school and her first liscence test she failed, passed on the second try then the full liscence test she passed first try...my first liscence test I passed with a perfect, my full liscence test i got 98% or something...better than my sister did. So, she went through school and has the discount, I didn't go through the school and I am the better driver...the tests prove this. Blah...this whole topic makes me angry. I just find insurance companies up here like to discriminate a lot, which I thought was illegal.

They discriminate cuz you're canadian? heh from what I gather, canada just pays more for car insurance. Here in the U.S., at least at my school, you have to take driver's ed in order to even graduate from high school. So we don't have anything with driving school discounts.

[landrym28]

I'm 25, and I'm paying around $71/month..full coverage. I haven't had any accidents yet, nor have I had any speeding tickets yet...that doesn't mean that I drive the speed limit though.. :wink:

[Papercolor]

I have a few friends in canada....I've heard alot of people dont drive just because of insurance. Just the way it is.

I'll post my rates soon. I have quite a few dings...I like like 4 right now.

I was paying $66mo, age 24 for a 99 honda civic.

[jetaimejsc]

im 20 and i pay $247.13 a month thats a little too expensive for me :thumbdown:

[landrym28]

2 years ago, I was paying close to $200/month for insurance. It definately makes a difference when you turn 25...insurance usually drops in half automatically(assuming you still have a decent driving record).

I'm not sure how alot of the policies work in the States. Does insurance in the States drop quite a bit once you turn 25?

[sherryberry]

yeah, it's suppose to drop a ton when you turn 25. I don't know how much i'm not 25 yet..

but on another note.. somehow my insurance went down... again! i am not complaining but I have no idea why it keeps going down. Anyway, it's now at 306ish for six months.