Toyota Prius Insurance Rates

Average insurance prices for a Toyota Prius are $1,268 every 12 months with full coverage. Comprehensive costs on average $284 each year, collision insurance costs $494, and liability is estimated at $354. A liability-only policy costs approximately $406 a year, and high-risk insurance costs around $2,738. Teenage drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Prius models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas tend to have more infrequent collision claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

These examples demonstrate why all drivers should get quotes based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $727
• Choosing higher $1,000 deductibles can save around $176 annually
• The average price for a 40-year-old driver with $500 deductibles is $1,268
• Using low deductibles for comp and collision coverage increases the price to $1,612
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,738
• The cost to insure a teen driver may cost $4,670 each year

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Insurance rates for a Toyota Prius can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Prius.

Using high physical damage deductibles can save as much as $520 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $318 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Toyota Prius insurance prices. A good driver about age 40 could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Cheap Toyota Prius Insurance

Saving money on car insurance takes avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Invest time comparing rates at least once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a brief summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save as much as $150 per year just by quoting online in advance
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,470 more each year to insure a Toyota Prius
• Increasing deductibles could save as much as $525 each year
• Drivers under the age of 20 pay the highest rates, with premiums as much as $389 per month if they have full coverage