Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year including full coverage. Comprehensive costs an estimated $284 a year, collision insurance costs $494, and liability coverage is estimated at $354. A liability-only policy costs approximately $406 a year, and high-risk insurance costs around $2,738. Teens receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates broken down by individual coverage type:

Rates are based on $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why it is important to get quotes for a targeted area, rather than using averaged prices.

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

Additional Charts and Tables

The chart below breaks down average Toyota Prius insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $727
• Choosing higher $1,000 deductibles can save approximately $1,092 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,268
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,612
• Drivers with serious driving violations could pay up to $2,738
• The cost that insures a teenage driver can cost as much as $4,670 each year

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

If you like to drive fast or you caused an accident, you are likely paying $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges around 45% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,810 on average in Louisiana, New York, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles can save as much as $520 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $318 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Toyota Prius Insurance

Saving money on auto insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Compare rates at every policy renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following is a quick review of the data covered above.

• Consumers who want higher liability limits will pay approximately $390 per year to raise limits from a minimum limit to the 250/500 level
• You may be able to save approximately $150 per year just by quoting early and online
• Increasing deductibles can save approximately $525 each year
• Teens are charged the highest rates, as much as $389 per month if full coverage is included