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2017 Toyota Prius Insurance Rates

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

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 2017 Toyota Prius are $1,248 a year for full coverage insurance. Comprehensive insurance costs around $274 a year, collision costs $474, and liability costs around $364. Buying a liability-only policy costs as low as $416 a year, with high-risk insurance costing $2,698 or more. Teen drivers receive the highest rates at $4,628 a year or more.

Annual premium for full coverage: $1,248

Rate estimates for 2017 Toyota Prius Insurance

Comprehensive $274
Collision $474
Liability $364

Rate data is compiled from all 50 U.S. states and averaged for all 2017 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 go from as low as $416 for basic liability insurance to a high of $2,698 for a high risk driver.

Liability Only $416
Full Coverage $1,248
High Risk $2,698

View Chart as Image

2017 Toyota Prius insurance rates compared
Column chart showing 2017 Toyota Prius insurance prices range from $717 to $4,628 for full coverage

These differences illustrate why it is important for drivers to compare prices for a specific zip code and risk profile, instead of making a decision based 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 2017 Toyota Prius Insurance

Searching Companies

Wish you could get a refund on high-priced insurance coverage? Believe me, you are not the only one feeling buyer’s remorse.

With vehicle owners having so many online and local companies to choose from, it can be challenging to pick the best insurance coverage provider.

It’s a good habit to quote other rates periodically because insurance prices are rarely the same from one policy term to another. Just because you found the best rate on Toyota Prius insurance two years ago the chances are good that you can find a lower premium rate today. There is too much inaccurate information about insurance coverage on the internet, but in this article, you’re going to get some of the best techniques to lower your insurance coverage bill.

This information will tell you the best way to quote coverages and some tips to save money. If you currently have car insurance, you will be able to lower your premiums substantially using these methods. But consumers can benefit from knowing the way insurance companies determine prices and use this information to your advantage.

These discounts can lower your car insurance rates

Companies that sell car insurance don’t always list every policy discount in an easy-to-find place, so the following list contains both the well known in addition to some of the lesser obvious discounts that you may qualify for.

  • Low Miles Discount – Maintaining low annual mileage can earn slightly better car insurancerates than normal.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but a handful of insurance companies allow you one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts as opposed to accident-prone drivers.
  • Multiple Policy Discount – If you can combine your auto and homeowners policy with one insurance company you could earn a discount of up to 20% and get you the cheapest car insurance.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.

Policy discounts save money, but many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Different people need different car insurance coverages

When choosing the best car insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

  • Is my ex-spouse still covered by my policy?
  • Am I covered when driving a rental car?
  • Does coverage extend to Mexico or Canada?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I benefit by insuring my home with the same company?
  • Can I afford to buy a different vehicle if my 2017 Toyota Prius is totaled?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance 101

Understanding the coverages of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.

Medical costs insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses like dental work, EMT expenses and X-ray expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability – Liability insurance will cover damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as court costs, structural damage, bail bonds, medical expenses and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from flooding and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – This coverage covers damage to your Prius resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

More comparisons equals lower rates

When getting car insurance quotes online, it’s not a good idea to buy poor coverage just to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

Affordable 2017 Toyota Prius insurance can be purchased from both online companies and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not offer online price quotes and many times these small insurance companies prefer to sell through independent agencies.

To read more, link through to the following helpful articles:

Rates by U.S. City

2017 Toyota Prius Insurance Rates by City
City Premium
New York City, NY $1,968
Los Angeles, CA $2,133
Philadelphia, PA $1,666
Jacksonville, FL $1,807
Phoenix, AZ $1,450
Chicago, IL $1,674
Houston, TX $1,955
Seattle, WA $1,215
Columbus, OH $1,043
Indianapolis, IN $1,064

Rates by Driver Age

2017 Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $4,628
20 $2,870
30 $1,304
40 $1,248
50 $1,142
60 $1,122

Full coverage, $500 deductibles

Rates by Deductible

2017 Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,578
$250 $1,426
$500 $1,248
$1,000 $1,078

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,248
50/100 $1,321
100/300 $1,412
250/500 $1,648
100 CSL $1,357
300 CSL $1,557
500 CSL $1,703

Full coverage, driver age 40

Rates for High Risk Drivers

2017 Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $6,608
20 $4,566
30 $2,756
40 $2,698
50 $2,572
60 $2,548

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 $173

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $92
5-yr Claim Free $81
Paid in Full/EFT $57
Advance Quote $62
Online Quote $89
Total Discounts $531
Rate after discounts $717

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

Find companies with the cheapest rates in your area

2017 Toyota Prius Insurance Rates by State
State Premium
Alabama $1,128
Alaska $958
Arizona $1,036
Arkansas $1,248
California $1,422
Colorado $1,190
Connecticut $1,280
Delaware $1,410
Florida $1,558
Georgia $1,156
Hawaii $896
Idaho $848
Illinois $930
Indiana $942
Iowa $842
Kansas $1,184
Kentucky $1,702
Louisiana $1,848
Maine $772
Maryland $1,032
Massachusetts $996
Michigan $2,168
Minnesota $1,046
Mississippi $1,496
Missouri $1,108
Montana $1,340
Nebraska $984
Nevada $1,496
New Hampshire $900
New Jersey $1,396
New Mexico $1,104
New York $1,312
North Carolina $718
North Dakota $1,022
Ohio $862
Oklahoma $1,280
Oregon $1,144
Pennsylvania $1,190
Rhode Island $1,664
South Carolina $1,132
South Dakota $1,054
Tennessee $1,092
Texas $1,504
Utah $922
Vermont $854
Virginia $746
Washington $964
West Virginia $1,144
Wisconsin $862
Wyoming $1,110

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