Insurance for Toyota YarisHigh-priced Toyota Yaris insurance in Fort Collins can dwindle your funds and make it hard to pay other bills. Performing a rate comparison is recommended to cut your insurance bill.

Amazingly, the vast majority of Colorado car insurance customers have bought car insurance from the same company for four years or more, and nearly half have never compared quotes from other companies. Many consumers in the U.S. could save an average of about $850 each year, but they just feel it's too hard to save money by comparing rate quotes.

Many auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best rates possible on Toyota Yaris insurance in Fort Collins.

Cheapest companies for Toyota Yaris insurance in Colorado

The providers in the list below are ready to provide free quotes in Colorado. If multiple providers are shown, we suggest you compare several of them in order to find the cheapest rates.

Toyota Yaris Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $182 $380 $374 $22 $112 $1,070 $89
Yaris 4-Dr Hatchback $252 $616 $456 $28 $136 $1,488 $124
Yaris 4-Dr Sedan $148 $306 $330 $20 $98 $902 $75
Yaris S 2-Dr Hatchback $272 $458 $396 $24 $118 $1,268 $106
Yaris S 4-Dr Hatchback $130 $244 $338 $20 $100 $832 $69
Yaris S 4-Dr Sedan $252 $368 $460 $28 $138 $1,246 $104
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in Fort Collins location which can increase or decrease insurance rates greatly.

How high should deductibles be?

One frequently asked question is what deductibles to buy. The data tables below lay out the price difference when you choose different deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Toyota Yaris insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $236 $458 $396 $24 $118 $1,257 $105
Yaris 4-Dr Hatchback $236 $458 $352 $20 $106 $1,197 $100
Yaris 4-Dr Sedan $236 $458 $352 $20 $106 $1,197 $100
Yaris S 2-Dr Hatchback $272 $458 $396 $24 $118 $1,293 $108
Yaris S 4-Dr Hatchback $272 $458 $352 $20 $106 $1,233 $103
Yaris S 4-Dr Sedan $272 $458 $352 $20 $106 $1,233 $103
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Toyota Yaris insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yaris 2-Dr Hatchback $192 $368 $396 $24 $118 $1,098 $92
Yaris 4-Dr Hatchback $192 $368 $352 $20 $106 $1,038 $87
Yaris 4-Dr Sedan $192 $368 $352 $20 $106 $1,038 $87
Yaris S 2-Dr Hatchback $220 $368 $396 $24 $118 $1,126 $94
Yaris S 4-Dr Hatchback $220 $368 $352 $20 $106 $1,066 $89
Yaris S 4-Dr Sedan $220 $368 $352 $20 $106 $1,066 $89
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Table data does not factor in vehicle garaging location which can impact prices considerably.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $13 more each month or $156 for a full year than buying the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 19 months between claim filings, you would most likely save money if you choose the higher deductible.

Seven Tips to Get Lower-cost Fort Collins Insurance Costs

Many factors are part of the equation when quoting car insurance. Most are fairly basic like an MVR report, but others are not quite as obvious such as your credit history or your vehicle rating.

Affordable Fort Collins car insurance rates with discounts

Car insurance companies do not list all possible discounts in an easy-to-find place, so the next list breaks down both the well known as well as the least known credits that you can use to lower your rates.Save money with discounts

It's important to note that some credits don't apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will lower the premium cost.

A list of companies and some of the discounts can be found below.

When comparing rates, check with all companies you are considering how many discounts you can get. Savings may not apply to policies in Fort Collins. For a list of insurers with discount car insurance rates in Fort Collins, click here.

Do I need an agent?

Certain consumers still like to go talk to an agent and that is OK! One of the best bonuses of getting online price quotes is that you can find lower rates and still have an agent to talk to.

Find insurance agent in Fort CollinsUpon completion of this short form, your insurance data is immediately sent to participating agents in Fort Collins that can provide free Fort Collins car insurance quotes for your insurance coverage. You won't even need to contact an agency since price quotes are sent immediately to you. It's the lowest rates and work with a local agent. If you have a need to compare rates from one company in particular, you just need to find their quoting web page and fill out the quote form the provide.

Finding the right insurance company should depend on more than just a low price. These questions are important to ask:

Not all car insurance agents are the same

If you would like to find a reputable insurance agent or broker, you must know there are a couple types of insurance agents from which to choose. Auto insurance agencies can be described as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Exclusive agents can only provide pricing for a single company like Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to shop your coverage around so if the price isn't competitive there isn't much they can do. They are very knowledgeable in insurance sales which helps overcome the inability to quote other rates.

The following are exclusive insurance agents in Fort Collins who can help you get comparison quotes.


923 E Prospect Rd - Fort Collins, CO 80525 - (970) 484-2881 - View Map


375 E Horsetooth Rd Bldg 6100 - Fort Collins, CO 80525 - (970) 223-0940 - View Map


19 Old Town Square Ste 238 - Fort Collins, CO 80524 - (970) 472-9467 - View Map

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Independent Insurance Agents

Independent insurance agents do not work for one specific company and that is an advantage because they can write policies through lots of different companies enabling the ability to shop coverage around. If your premiums go up, they simply move the coverage in-house and you don't have to switch agencies.

When comparing auto insurance prices, we recommend you get quotes from a few independent agents so that you can do a thorough price comparison.

Listed below is a short list of independent insurance agencies in Fort Collins willing to provide price quote information.


121 E Swallow Rd - Fort Collins, CO 80525 - (970) 484-3200 - View Map


7352 Greenridge Road, Suite A-8 - Windsor, CO 80550 - (970) 460-0303 - View Map


421 Stover St - Fort Collins, CO 80524 - (970) 224-5500 - View Map

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Don't give up on cheap rates

In this article, we covered a lot of ways to get a better price on Toyota Yaris insurance in Fort Collins. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the biggest savings come from a small mutual company. Smaller companies may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate and Progressive.

As you shop your coverage around, never buy less coverage just to save a little money. Too many times, consumers will sacrifice full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at the best price, not the least amount of coverage.

To learn more, feel free to browse the resources below: