2006 Toyota Prius Insurance Rates
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UPDATED: Nov 29, 2021
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Average insurance rates for a 2006 Toyota Prius are $900 a year including full coverage. Comprehensive costs around $160 a year, collision insurance costs $202, and liability costs $402. Buying a liability-only policy costs as little as $446 a year, and high-risk insurance costs around $1,928. Teenage drivers receive the highest rates at up to $3,568 a year.
Annual premium for full coverage: $900
Rate estimates for 2006 Toyota Prius Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2006 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 range from as low as $446 for the bare minimum liability coverage to a high of $1,928 for a driver that may need high-risk insurance.
These differences highlight why it is important for drivers to compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.
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 2006 Toyota Prius Insurance
Buying the lowest cost car insurance online can seem to be rather challenging for consumers not familiar with online price comaprisons. With so many insurers to choose from, how can consumers effectively compare the different rates to find the best available rates?
It’s smart to shop coverage around every six months since insurance rates change frequently. If you had the best deal on Prius insurance on your last policy other companies may now be cheaper. There is a lot of bad advice regarding car insurance on the internet, so with this article, you’re going to get a bunch of ideas how to save money.
Pricing cheaper auto insurance is simple if you know the tricks. In a nutshell, anyone who has to buy auto insurance stands a good chance to be able to cut their insurance bill. Nevertheless, drivers do need to understand how the larger insurance companies market insurance on the web and use this information to your advantage.
Save big with these discounts
The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied when you purchase, but a few need to be inquired about before being credited.
- Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
- Discount for New Cars – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
- Life Insurance – Some companies give a break if you buy auto and life insurance together.
- Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
- 55 and Retired – Mature drivers may receive better insurance rates on Prius insurance.
- Paperwork-free – Certain companies may give you up to $50 for buying your policy online.
- Distant Student – Kids in college who live away from home and do not have a car may qualify for this discount.
A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates you could get a free insurance policy, it doesn’t quite work that way. Any amount of discount will reduce your premiums.
For a list of companies who offer insurance discounts, click this link.
Vehicle Insurance Comparison
There are several ways to compare rate quotes and find the best price. The quickest method to find competitive 2006 Toyota Prius insurance rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.
- The most efficient way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating separate quotes to each individual auto insurance company. One simple form gets you price quotes from all major companies. It’s the fastest way to compare.
- A more time consuming way to find lower rates is spending the time to visit the website for each individual company and fill out their own quote form. For instance, let’s assume you want to compare Progressive, GEICO and Allstate. To find out each rate you need to go to every website and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
It’s your choice how you get your quotes, but ensure you’re using identical coverages for every company. If you are comparing higher or lower deductibles it’s impossible to determine which rate is truly the best. Slightly different limits may result in large price differences. And when price shopping your coverage, quoting more gives you a better chance of getting the best rates.
Factors influencing Toyota Prius insurance rates
An important part of buying insurance is that you know the factors that go into determining the price you pay for insurance coverage. Knowing what influences your rates allows you to make educated decisions that can help you get better insurance coverage rates.
- The more you drive the more you pay – The more miles you rack up on your Toyota each year the higher your rates will be. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates than those used for commuting. An improperly rated Prius may be wasting your money. Double check that your insurance coverage policy properly reflects how each vehicle is driven.
- Your spouse saves you money – Getting married can get you a discount when buying insurance coverage. Having a spouse usually means you are more mature and statistics show married drivers get in fewer accidents.
- Little extras can really add up – There are a lot of add-on coverages that you can buy if you aren’t careful. Insurance for roadside assistance, towing coverage and additional equipment coverage may be wasting your money. These may sound like a good investment at first, but now you might not need them so eliminate the coverages to reduce your premium.
- Where you reside plays a part – Living in small towns and rural areas can save you money when insuring your vehicles. City drivers tend to have traffic congestion and much longer commute distances. Fewer people means reduced accidents.
- With age comes lower rates – Teenage drivers have a tendency to be careless and easily distracted when driving so they pay higher insurance coverage rates. Adding a teen driver to your insurance coverage policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and receive fewer citations.
- Do you know your deductibles? – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Toyota from damage. Examples of covered claims are a windshield shattered by a rock, collision with an animal, and rolling your vehicle. The deductibles are the amount of money you are willing to pay before your insurance coverage pays a claim. The more money you’re willing to pay, the less your company will charge you for insurance on Prius insurance.
- Bundling policies can get discounts – Many insurers give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you still need to shop around to verify if the discount is saving money. You may still find a better deal by insuring with multiple companies.
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But I don’t know anything about car insurance
When it comes to choosing adequate coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique.
These are some specific questions might help in determining if your insurance needs might need professional guidance.
- How do I file an SR-22 for a DUI in my state?
- Can I pay claims out-of-pocket if I buy high deductibles?
- When does my teenage driver need to be added to my policy?
- Are my friends covered when driving my car?
- If my pet gets injured in an accident are they covered?
- Can I make deliveries for my home business?
- How do I insure my teen driver?
- Do I really need UM/UIM coverage?
- Do I have any recourse if my insurance company denies a claim?
- Should I put collision coverage on all my vehicles?
If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form.
Specific coverages for a 2006 Toyota Prius
Understanding the coverages of your car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like hitting a deer, hail damage, a broken windshield, a tree branch falling on your vehicle and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Uninsured/Underinsured Motorist coverage – This provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2006 Toyota Prius.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.
Collision – Collision coverage pays for damage to your Prius caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like sideswiping another vehicle, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for surgery, ambulance fees, nursing services, dental work and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Liability auto insurance – This protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims like emergency aid, loss of income, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.
Quote more. Save more.
As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where an insured cut liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best price while still protecting your assets.
Low-cost 2006 Toyota Prius insurance is available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
You just read quite a bit of information on how to lower your insurance rates. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a lesser-known regional company.
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- Crash Avoidance Technologies FAQ (iihs.org)
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- Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
Rates by U.S. City
|New York City, NY||$1,419|
|Los Angeles, CA||$1,536|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$55|
|5-yr Claim Free||$56|
|Paid in Full/EFT||$33|
Discounts are estimated and may not be available from every company or in every state.