Toyota Prius Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Toyota Prius c insurance

Estimated insurance rates for a Toyota Prius are $968 a year for full coverage insurance. Comprehensive insurance costs on average $182 a year, collision insurance costs $244, and liability coverage is estimated at $406. A policy with only liability insurance costs approximately $450 a year, and a high-risk policy costs $2,076 or more. Teens pay the most at up to $3,780 a year.

Average premium for full coverage: $968

Premium estimates by type of coverage:

Comprehensive $182
Collision $244
Liability $406

Includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Prius trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Toyota Prius range from the low end price of $450 for basic liability insurance to a high of $2,076 for a high-risk insurance policy.

Liability Only $450
Full Coverage $968
High Risk $2,076

Insurance Price Range by Location

Living in a larger city has a large influence on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $726
Small Cities $1,016
Large Cities $1,307

These rate differences illustrate why it is important to get quotes based on a specific location, rather than using averaged prices.

Use the form below to get customized rates for your location.

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

Rate Comparisons

The chart below illustrates average Toyota Prius insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $581
  • Choosing higher $1,000 deductibles can save around $870 each year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $968
  • Selecting low $100 deductibles for comp and collision coverage will cost an additional $184 each year
  • Drivers with serious driving violations could pay upwards of $2,076
  • An auto insurance policy that insures a teenage driver may cost $3,780 each year

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing Toyota Prius insurance prices range from $581 to $3,780 for full coverage

Car insurance prices for a Toyota Prius also have a wide range based on the trim level of your Prius, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 127% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $3,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,310 on average in Michigan, New York, and Florida.

Toyota Prius Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $872 -$96 -9.9%
Alaska $742 -$226 -23.3%
Arizona $802 -$166 -17.1%
Arkansas $968 -$0 0.0%
California $1,102 $134 13.8%
Colorado $922 -$46 -4.8%
Connecticut $990 $22 2.3%
Delaware $1,094 $126 13.0%
Florida $1,208 $240 24.8%
Georgia $892 -$76 -7.9%
Hawaii $694 -$274 -28.3%
Idaho $654 -$314 -32.4%
Illinois $720 -$248 -25.6%
Indiana $730 -$238 -24.6%
Iowa $650 -$318 -32.9%
Kansas $916 -$52 -5.4%
Kentucky $1,318 $350 36.2%
Louisiana $1,430 $462 47.7%
Maine $596 -$372 -38.4%
Maryland $796 -$172 -17.8%
Massachusetts $770 -$198 -20.5%
Michigan $1,676 $708 73.1%
Minnesota $810 -$158 -16.3%
Mississippi $1,158 $190 19.6%
Missouri $858 -$110 -11.4%
Montana $1,038 $70 7.2%
Nebraska $762 -$206 -21.3%
Nevada $1,158 $190 19.6%
New Hampshire $698 -$270 -27.9%
New Jersey $1,082 $114 11.8%
New Mexico $856 -$112 -11.6%
New York $1,018 $50 5.2%
North Carolina $556 -$412 -42.6%
North Dakota $792 -$176 -18.2%
Ohio $666 -$302 -31.2%
Oklahoma $990 $22 2.3%
Oregon $884 -$84 -8.7%
Pennsylvania $920 -$48 -5.0%
Rhode Island $1,288 $320 33.1%
South Carolina $876 -$92 -9.5%
South Dakota $816 -$152 -15.7%
Tennessee $846 -$122 -12.6%
Texas $1,164 $196 20.2%
Utah $714 -$254 -26.2%
Vermont $660 -$308 -31.8%
Virginia $580 -$388 -40.1%
Washington $746 -$222 -22.9%
West Virginia $884 -$84 -8.7%
Wisconsin $666 -$302 -31.2%
Wyoming $860 -$108 -11.2%

View Chart as Image

Toyota Prius insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $290 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $366 extra every 12 months. View Rates by Deductible or Liability Limit

Toyota Prius Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Prius $274 $474 $364 $1,248
2018 Toyota Prius $250 $424 $384 $1,194
2017 Toyota Prius $240 $400 $388 $1,164
2016 Toyota Prius $230 $358 $390 $1,114
2015 Toyota Prius $214 $330 $390 $1,070
2014 Toyota Prius $206 $310 $394 $1,046
2013 Toyota Prius $202 $288 $402 $1,028
2012 Toyota Prius $186 $268 $402 $992
2011 Toyota Prius $182 $244 $406 $968
2010 Toyota Prius $170 $222 $402 $930
2009 Toyota Prius $160 $202 $402 $900
2008 Toyota Prius $154 $182 $398 $870
2007 Toyota Prius $152 $178 $390 $856
2006 Toyota Prius $150 $168 $384 $838
2005 Toyota Prius $138 $160 $380 $814
2004 Toyota Prius $132 $152 $376 $796

Rates are averaged for all Toyota Prius models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Cheapest Toyota Prius Insurance

Finding better rates on auto insurance takes having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates at least every other year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a recap of the car insurance concepts covered above.

  • Drivers that have major violations or accidents may pay on average $1,110 more each year to buy Toyota Prius insurance
  • It is possible to save as much as $110 per year just by quoting early and online
  • Increasing policy deductibles can save approximately $275 each year
  • Consumers who require increased levels of liability coverage will pay approximately $450 annually to raise limits from 30/60 bodily injury limits to the 250/500 level

Rates by Driver Age

Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $3,780
20 $2,200
30 $990
40 $968
50 $886
60 $868

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,152
$250 $1,068
$500 $968
$1,000 $870

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $968
50/100 $1,049
100/300 $1,151
250/500 $1,415
100 CSL $1,090
300 CSL $1,313
500 CSL $1,476

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $5,346
20 $3,502
30 $2,102
40 $2,076
50 $1,980
60 $1,960

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 $130

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $51
Homeowner $16
5-yr Accident Free $62
5-yr Claim Free $61
Paid in Full/EFT $37
Advance Quote $43
Online Quote $67
Total Discounts $387
Rate after discounts $581

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

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