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2005 Toyota Prius Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 29, 2021

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Average insurance rates for a 2005 Toyota Prius are $870 a year for full coverage insurance. Comprehensive insurance costs on average $154, collision costs $182, and liability insurance costs $398. Buying a liability-only policy costs as little as $444 a year, with high-risk insurance costing $1,860 or more. Teen drivers receive the highest rates at $3,464 a year or more.

Annual premium for full coverage: $870

Rate estimates for 2005 Toyota Prius Insurance

Comprehensive $154
Collision $182
Liability $398

Rate data is compiled from all 50 U.S. states and averaged for all 2005 Toyota Prius models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $444 for just liability insurance to a much higher rate of $1,860 for a driver that may need high-risk insurance.

Liability Only $444
Full Coverage $870
High Risk $1,860

View Chart as Image

2005 Toyota Prius insurance rates compared
Column chart showing 2005 Toyota Prius insurance prices range from $531 to $3,464 for full coverage

These differences illustrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2005 Toyota Prius Insurance

Searching Companies

Looking for the cheapest car insurance rates for your Toyota Prius? Have you had enough of scraping the payment together to buy car insurance? You’re in the same situation as most other car owners.

You have so many auto insurance companies to choose from, and though it is a good thing to have multiple companies, it can be more challenging to find the lowest cost provider.

The purpose of this article is to help educate you on how car insurance quotes work. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. But vehicle owners need to learn how companies compete online because it can help you find the best coverage.

Toyota Prius insurance rates have many determining factors

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for car insurance. Understanding what determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

Shown below are a few of the “ingredients” companies use to determine premiums.

  • Discounts for married couples – Having a spouse can get you a discount on your policy. Marriage translates into being more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Protect yourself with liability coverage – Your policy’s liability coverage is the protection if you are found liable for personal injury or accident damage. It provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Better credit means lower rates – Having a bad credit history is a important factor in determining what you pay for car insurance. If your credit score is not that good, you could be paying less to insure your 2005 Toyota Prius by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower credit scores.
  • Traffic violations increase rates – Whether or not you get tickets has a huge affect on how much you pay. Only having one speeding ticket can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Drivers with dangerous tickets such as DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • What are your deductibles? – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Toyota. Examples of covered claims would be colliding with a building, damage from fire, or theft. Physical damage deductibles are how much you are required to spend before your car insurance pays a claim. The more money you’re willing to pay, the bigger discount you will receive on Prius coverage.
  • Don’t let your coverage lapse – Allowing your car insurance policy to lapse is a guaranteed way to trigger a rate increase. Not only will you pay more, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Younger drivers pay higher rates – Older insureds are more cautious drivers, tend to file fewer claims and are safer drivers. Youthful drivers are known to be less responsible when behind the wheel and because of this, their car insurance rates are much higher.
  • Multi-policy discounts can save money – Some companies provide better rates to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other company rates to ensure the best deal.

Pay less by taking advantage of discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not know about. Some trigger automatically at the time of quoting, but some must be specifically requested prior to receiving the credit.

  • Paperless Signup – Certain companies will give a small break for buying a policy and signing up digitally online.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Low Mileage Discounts – Keeping the miles down on your Toyota could qualify for lower rates on the low mileage vehicles.
  • Memberships – Affiliation with a professional or civic organization could trigger savings when shopping for insurance coverage on Prius coverage.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, you’re out of luck. But any discount will bring down your overall premium however.

Car insurance companies who might offer these money-saving discounts include:

  • State Farm
  • Farmers Insurance
  • Progressive
  • GEICO
  • Auto-Owners Insurance
  • The Hartford
  • USAA

Double check with each company which discounts they offer. Discounts may not apply in every state.

Do insurance companies bend the truth?

Insurance providers like GEICO, State Farm and Progressive consistently run ads in print and on television. They all make an identical promise that you can save if you change your coverage to them. But how can every company say the same thing?

All the different companies are able to cherry pick for the right customer that makes them money. A good example of a preferred risk might be over the age of 40, a clean driving record, and drives newer vehicles. A propective insured who matches those parameters will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Drivers who don’t measure up to the “perfect” profile must pay a more expensive rate and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “people who quote” save money. That’s the way insurance companies can confidently advertise the savings.

This illustrates why drivers should get as many comparisons as possible. Because you never know which company will fit your personal profile best.

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Your coverage should be tailored to you

When choosing adequate coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

  • Are rock chip repairs covered?
  • Does medical payments coverage apply to all occupants?
  • Should I rate my 2005 Toyota Prius as pleasure use or commute?
  • Who is covered by my policy?
  • Do I need an umbrella policy?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Specific coverage details

Understanding the coverages of a insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.

Collision coverages – Collision coverage pays for damage to your Prius resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Coverage for liability – Liability insurance will cover injuries or damage you cause to other people or property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as loss of income, emergency aid, pain and suffering, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2005 Toyota Prius.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are set the same as your liablity limits.

Comprehensive coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, a tree branch falling on your vehicle and hail damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for bills for surgery, hospital visits and doctor visits. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Knowledge is power

We’ve covered many tips how you can compare 2005 Toyota Prius insurance prices online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

Lower-priced insurance is possible online and also from your neighborhood agents, and you need to comparison shop both to have the best selection. A few companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

More detailed insurance coverage information can be read in the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2005 Toyota Prius Insurance Rates by City
City Premium
New York City, NY $1,371
Los Angeles, CA $1,485
Philadelphia, PA $1,159
Jacksonville, FL $1,260
Phoenix, AZ $1,008
Chicago, IL $1,166
Houston, TX $1,362
Seattle, WA $847
Columbus, OH $724
Indianapolis, IN $739

Rates by Driver Age

2005 Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $3,464
20 $1,972
30 $886
40 $870
50 $800
60 $784

Full coverage, $500 deductibles

Rates by Deductible

2005 Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,014
$250 $948
$500 $870
$1,000 $794

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $870
50/100 $950
100/300 $1,049
250/500 $1,308
100 CSL $989
300 CSL $1,208
500 CSL $1,368

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $4,878
20 $3,140
30 $1,878
40 $1,860
50 $1,776
60 $1,758

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $114

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $44
Multi-vehicle $46
Homeowner $15
5-yr Accident Free $52
5-yr Claim Free $54
Paid in Full/EFT $31
Advance Quote $38
Online Quote $59
Total Discounts $339
Rate after discounts $531

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2005 Toyota Prius Insurance Rates by State
State Premium
Alabama $786
Alaska $668
Arizona $720
Arkansas $870
California $990
Colorado $830
Connecticut $892
Delaware $982
Florida $1,086
Georgia $804
Hawaii $624
Idaho $588
Illinois $648
Indiana $654
Iowa $586
Kansas $824
Kentucky $1,186
Louisiana $1,286
Maine $538
Maryland $718
Massachusetts $692
Michigan $1,508
Minnesota $730
Mississippi $1,044
Missouri $772
Montana $932
Nebraska $684
Nevada $1,044
New Hampshire $628
New Jersey $972
New Mexico $766
New York $914
North Carolina $500
North Dakota $712
Ohio $598
Oklahoma $890
Oregon $798
Pennsylvania $828
Rhode Island $1,160
South Carolina $788
South Dakota $734
Tennessee $760
Texas $1,048
Utah $642
Vermont $594
Virginia $518
Washington $672
West Virginia $798
Wisconsin $600
Wyoming $774

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