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2012 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: Mar 18, 2020

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Average insurance rates for a 2012 Toyota Prius are $1,070 a year with full coverage. Comprehensive insurance costs around $214 a year, collision insurance costs $330, and liability costs around $390. Buying a liability-only policy costs as low as $438 a year, and high-risk insurance costs $2,304 or more. Teenage drivers receive the highest rates at up to $4,098 a year.

Annual premium for full coverage: $1,070

Rate estimates for 2012 Toyota Prius Insurance

Comprehensive $214
Collision $330
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 a middle-aged driver, prices range range from as low as $438 for a discount liability-only rate to a high of $2,304 for a high risk driver.

Liability Only $438
Full Coverage $1,070
High Risk $2,304

View Chart as Image

2012 Toyota Prius insurance rates compared
Column chart showing 2012 Toyota Prius insurance prices range from $630 to $4,098 for full coverage

These differences demonstrate why it is important for drivers to compare prices 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 2012 Toyota Prius Insurance

Searching Companies

Want better insurance coverage rates for your Toyota Prius? Having to pay for overpriced insurance coverage can empty your personal savings and force you to make sacrifices. Comparison shopping is a smart way to cut your insurance bill.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive promote their brand names with ad campaigns and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

It is always a good idea to get comparison quotes yearly since insurance rates are rarely the same from one policy term to another. Just because you found the best rates for Prius insurance a few years ago you may be paying too much now. Starting now, ignore everything you know about insurance coverage because you’re going to learn the fastest way to reduce your cost while increasing coverage.

If you are paying for car insurance now, you will be able to save some money using these tips. Choosing the best insurance company for you is quite easy. Although consumers do need to know how the larger insurance companies price insurance differently because it can help you find the best coverage.

The easiest way to compare rate quotes takes advantage of the fact most of the bigger providers participate in online systems to compare rate quotes. The only thing you need to do is provide a small amount of information like if you’re married, your job, if you have an active license, and whether your vehicle is owned or leased. Your information is automatically sent to all major companies and they return cost estimate instantly to find the best rate.

To find lower rates now, click here and enter your coverage details.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

  • Why am I required to buy high-risk coverage?
  • What vehicles should carry emergency assistance coverage?
  • How high should deductibles be on a 2012 Toyota Prius?
  • Do I pay less for low miles?
  • What is the difference between comprehensive and collision coverage?
  • Does coverage extend to a rental car in a foreign country?
  • How high should my medical payments coverage be?
  • Will my insurance pay for OEM parts?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

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Information about specific coverages

Understanding the coverages of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and coverage can change by endorsement. These are the normal coverages found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Toyota Prius.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – This pays for damage to your Prius from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle, rolling your car, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as nursing services, funeral costs, dental work and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance – This coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people. It does not 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. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability insurance covers things such as attorney fees, medical services, loss of income and court costs. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, a broken windshield, fire damage and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Toyota Prius Insurance Rates by City
City Premium
New York City, NY $1,692
Los Angeles, CA $1,830
Philadelphia, PA $1,425
Jacksonville, FL $1,550
Phoenix, AZ $1,243
Chicago, IL $1,436
Houston, TX $1,677
Seattle, WA $1,041
Columbus, OH $893
Indianapolis, IN $911

Rates by Driver Age

2012 Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $4,098
20 $2,448
30 $1,106
40 $1,070
50 $980
60 $960

Full coverage, $500 deductibles

Rates by Deductible

2012 Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,308
$250 $1,198
$500 $1,070
$1,000 $946

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,070
50/100 $1,148
100/300 $1,246
250/500 $1,499
100 CSL $1,187
300 CSL $1,402
500 CSL $1,558

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $5,818
20 $3,898
30 $2,346
40 $2,304
50 $2,200
60 $2,178

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 $146

Potential Rate Discounts

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

Discount Savings
Multi-policy $56
Multi-vehicle $56
Homeowner $17
5-yr Accident Free $73
5-yr Claim Free $68
Paid in Full/EFT $45
Advance Quote $50
Online Quote $75
Total Discounts $440
Rate after discounts $630

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

Find companies with the cheapest rates in your area

2012 Toyota Prius Insurance Rates by State
State Premium
Alabama $968
Alaska $820
Arizona $888
Arkansas $1,070
California $1,220
Colorado $1,020
Connecticut $1,098
Delaware $1,208
Florida $1,336
Georgia $990
Hawaii $768
Idaho $726
Illinois $798
Indiana $806
Iowa $720
Kansas $1,018
Kentucky $1,460
Louisiana $1,584
Maine $662
Maryland $882
Massachusetts $854
Michigan $1,856
Minnesota $898
Mississippi $1,280
Missouri $950
Montana $1,148
Nebraska $842
Nevada $1,284
New Hampshire $772
New Jersey $1,196
New Mexico $946
New York $1,128
North Carolina $618
North Dakota $878
Ohio $738
Oklahoma $1,098
Oregon $980
Pennsylvania $1,018
Rhode Island $1,428
South Carolina $970
South Dakota $902
Tennessee $936
Texas $1,290
Utah $792
Vermont $732
Virginia $640
Washington $826
West Virginia $980
Wisconsin $738
Wyoming $952

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