What Insurance Group is a Toyota Yaris? A Comprehensive Guide

In the UK, every car is assigned to an insurance group, which plays a crucial role in determining how much you’ll pay for car insurance.

These groups range from 1 to 50, with Group 1 being the cheapest to insure and Group 50 being the most expensive.

The group your car is placed in is determined by various factors, including the car’s engine size, safety features, repair costs, and overall performance.

Insurance companies use these groups to assess the risk of insuring a vehicle.

Generally, cars in lower groups have smaller engines, cheaper parts, and better safety ratings, making them less expensive to insure.

Understanding your car’s insurance group is a key step in managing your insurance costs.

Toyota Yaris: An Overview

The Toyota Yaris is a compact hatchback that has been a popular choice for UK drivers for many years.

Known for its reliability, excellent fuel economy, and easy handling, the Yaris is particularly appealing to city dwellers and those who want a car that’s simple to drive and maintain.

The Yaris has evolved over the years, with each new model offering improved features, from enhanced safety systems to more efficient engines.

Whether you’re looking at a brand-new Yaris or a used model, the car’s reputation for durability and low running costs makes it a smart choice.

But how does it fare when it comes to insurance? If you’re interested in learning more about this model, you might want to check out our page on Toyota for further details.

Which Insurance Group Does the Toyota Yaris Belong To?

The insurance group for a Toyota Yaris can vary depending on the specific model and trim level you choose.

Generally, the Yaris falls into insurance groups ranging from 2 to 17, making it one of the more affordable cars to insure.

Here’s a closer look at the insurance groups for some of the most popular Yaris models:

• Toyota Yaris Active: Group 2
• Toyota Yaris Icon: Group 5
• Toyota Yaris Design: Group 7
• Toyota Yaris Excel: Group 11
• Toyota Yaris GR Sport: Group 17

These insurance groups suggest that the Toyota Yaris is relatively inexpensive to insure compared to other cars in its class.

However, the specific group can vary based on the year of manufacture and any additional features the car might have.

For example, a Yaris with more advanced safety features or a larger engine may be placed in a higher insurance group.

Factors That Influence the Insurance Group of the Toyota Yaris

Several factors contribute to the Toyota Yaris’s insurance group, and understanding these can give you insight into why it falls into a particular range.

1. Engine Size and Performance: The Toyota Yaris is available with a range of engine sizes, from a modest 1.0-litre petrol engine to the more powerful 1.5-litre hybrid.

Smaller engines typically mean lower insurance groups because they’re less powerful and generally pose less of a risk.

However, if you opt for a more powerful version, like the Yaris GR Sport, you can expect it to fall into a higher insurance group.

2. Safety Features and Crash Test Ratings: The Yaris has consistently scored well in safety tests, thanks to its robust build and Toyota’s commitment to equipping their cars with advanced safety features.

Models with Toyota Safety Sense, which includes features like pre-collision warning and lane departure alert, are likely to be placed in lower insurance groups because they reduce the risk of accidents.

3. Repair Costs and Part Availability: Toyota has a strong reputation for reliability, and the Yaris is no exception.

Repair costs are generally low, and parts are widely available, which helps keep insurance premiums down.

Cars with lower repair costs are often placed in lower insurance groups because they’re cheaper for insurers to fix if something goes wrong.

4. Security Features: Security features such as immobilisers, alarm systems, and remote central locking are standard in most Yaris models.

These features help protect the car from theft, which is another factor that can positively influence the insurance group.

How the Insurance Group Affects Your Insurance Premium

The insurance group of your Toyota Yaris plays a significant role in determining your insurance premium.

Cars in lower insurance groups are typically cheaper to insure, while those in higher groups will cost more.

For example, a Yaris Active, which falls into insurance group 2, will generally have a lower premium compared to a Yaris GR Sport, which is in group 17.

However, it’s important to note that your actual premium will also depend on other factors such as your age, driving experience, location, and the level of cover you choose.

Young drivers or those with little driving experience might face higher premiums even if their car is in a lower insurance group.

Comparing Insurance Costs for Different Toyota Yaris Models

When considering a Toyota Yaris, it’s worth comparing the insurance costs of different models.

As mentioned earlier, the insurance group can vary significantly depending on the model and trim level.

For example, the Yaris Active, with its smaller engine and fewer features, is likely to have one of the lowest insurance premiums.

On the other hand, the Yaris GR Sport, which is designed for performance and comes with a more powerful engine, will cost more to insure.

When comparing models, consider what you need from your car and how much you’re willing to spend on insurance.

If you’re looking for a balance between features and insurance costs, the Yaris Icon or Yaris Design might be a good choice, as they offer a good mix of technology, comfort, and affordability in terms of insurance.

If you’re considering other economical and reliable vehicles, you might want to check out our page on Honda for a comparison.

How to Lower Your Toyota Yaris Insurance Costs

If you’re looking to reduce your insurance costs, there are several strategies you can employ:

1. Increase Your Voluntary Excess: By agreeing to pay a higher voluntary excess, you can often reduce your insurance premium.

However, make sure the excess is still affordable in the event of a claim.

2. Improve Security: Installing additional security features, such as a tracker or an upgraded alarm system, can further reduce your premiums.

Insurers often offer discounts for cars with enhanced security.

3. Build Your No-Claims Bonus: The longer you go without making a claim, the larger your no-claims bonus will be, which can lead to significant discounts on your premium.

4. Drive Safely: Avoiding accidents and driving responsibly can keep your insurance costs down over time.

Safe drivers are often rewarded with lower premiums.

5. Shop Around: It’s always a good idea to compare insurance quotes from different providers to find the best deal.

Different insurers may offer different rates for the same car, so taking the time to shop around can save you money.

If you have any questions or need further assistance, feel free to contact us.

Toyota Yaris Insurance FAQs

What is the average insurance cost for a Toyota Yaris?
The average insurance cost for a Toyota Yaris varies depending on the model, driver’s profile, and other factors.

However, given its insurance group, it’s generally considered affordable to insure, especially compared to other small cars in the market.

How do I find out my Toyota Yaris’s insurance group?
You can check the insurance group of your Toyota Yaris by referring to your car’s documentation or using online tools that allow you to search by make and model.

Insurance providers also often provide this information when you request a quote.

Is the Toyota Yaris expensive to insure compared to other small cars?
The Toyota Yaris is generally not expensive to insure, particularly if you opt for a model in a lower insurance group.

Its affordability, combined with Toyota’s reputation for reliability, makes it a popular choice for drivers looking for economical insurance options.

What factors should I consider when choosing insurance for a Toyota Yaris?
When choosing insurance, consider the car’s insurance group, your driving history, the level of cover you need, and any additional features or benefits offered by the insurer.

It’s also wise to check if the insurer offers discounts for security features or if they have specific policies for certain car models.

How does the Toyota Yaris’s insurance group compare to other cars in the same category?
The Toyota Yaris’s insurance group is competitive with other small cars in the UK market, making it a cost-effective choice for drivers looking for a reliable and economical vehicle.

Compared to similar cars like the Ford Fiesta or Vauxhall Corsa, the Yaris often falls into a similar or even lower insurance group, depending on the model.

Conclusion

The Toyota Yaris is not only a great choice for those seeking a reliable and fuel-efficient car, but it’s also relatively affordable to insure, thanks to its favourable insurance group rating.

By understanding the factors that influence its insurance group and taking steps to reduce your premium, you can enjoy all the benefits of this popular hatchback without worrying too much about the cost of insurance.

Before making your final decision, it’s always a good idea to get a few insurance quotes to ensure you’re getting the best possible deal.

Whether you’re a new driver or someone looking to switch to a more economical vehicle, the Toyota Yaris offers a fantastic balance of performance, safety, and affordability.

Are you looking to buy a new used car? Contact us today and we can help you!