2019 Toyota Prius Insurance Rates
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UPDATED: Apr 30, 2020
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Average insurance rates for a 2019 Toyota Prius are $1,274 a year with full coverage. Comprehensive costs around $294 each year, collision costs $506, and liability insurance costs around $338. Buying a liability-only policy costs as low as $394 a year, with high-risk insurance costing around $2,748. Teenage drivers receive the highest rates at $4,664 a year or more.
Annual premium for full coverage: $1,274
Rate estimates for 2019 Toyota Prius Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 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 $394 for just liability insurance to a high rate of $2,748 for a high risk driver.
These differences demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than relying 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 2019 Toyota Prius Insurance
Want the cheapest auto insurance rates for your Toyota Prius? Are you drained from sacrificing to make your auto insurance payment? You are in the same boat as many other drivers.
You have so many auto insurance companies to purchase coverage from, and although it’s a good thing to have a choice, so many choices can make it hard to find the best rates.
Compare auto insurance quotes
Comparing auto insurance rates can take hours if you aren’t aware of the fastest way to get free quotes. You could waste time driving to local insurance agents in your area, or you could use online quoting to get rates in a matter of minutes.
Most of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote based on that data. This saves time by eliminating quote requests to each company.
To fill out one form to compare multiple rates now enter your zip code here.
The only drawback to using this type of form is you can’t choose which insurance companies you want pricing from. If you prefer to choose individual companies to request quotes from, we have a listing of companies who write auto insurance in your area. Click to enter zip code.
It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverage limits for every quote you compare. If you have higher or lower deductibles it’s impossible to make a fair comparison for your Toyota Prius. Just slight variations in coverage limits can mean a large discrepancy in price. Keep in mind that more quotes will enable you to find better pricing.
How to know if you need help
When choosing coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique so your insurance should reflect that For example, these questions may help highlight if you might need professional guidance.
- Should I get collision insurance on every vehicle?
- Is my cargo covered for damage or theft?
- Where can I find DUI or SR-22 insurance?
- Do I need an umbrella policy?
- What is no-fault insurance?
- Does my policy cover me when driving someone else’s vehicle?
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and enter your zip code.
Auto insurance coverages
Having a good grasp of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from auto insurance companies.
Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.
Liability insurance covers claims such as repair bills for other people’s vehicles, emergency aid, pain and suffering and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive auto insurance
This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like hail damage, fire damage, a tree branch falling on your vehicle, falling objects and a broken windshield. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
This pays for damage to your Prius from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as hitting a parking meter, damaging your car on a curb, driving through your garage door, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like nursing services, ambulance fees, EMT expenses, surgery and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
Rates by U.S. City
|New York City, NY||$2,013|
|Los Angeles, CA||$2,181|
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||$95|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$59|
Discounts are estimated and may not be available from every company or in every state.