Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive insurance costs around $284 a year, collision insurance costs $494, and liability coverage costs $354. Liability-only insurance costs as little as $406 a year, and high-risk driver insurance costs $2,738 or more. Teen drivers pay the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Price estimates for individual coverage:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Prius trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population have lower incidents of accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above show why it is important to compare rates for a specific zip code, rather than using price averages.

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

Rate Comparisons

The chart below shows average Toyota Prius insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $727
• Drivers who choose higher $1,000 deductibles will pay about $1,092 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,268
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $344 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,738
• The price that insures a teenage driver can be $4,670 a year

View Chart as Image

Car insurance prices for a Toyota Prius are also quite variable based on the trim level of your Prius, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost around 45% to 132% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

The state you live in makes a big difference in Toyota Prius insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,810 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $520 a year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Toyota Prius Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Shop around at every policy renewal by getting quotes from direct carriers, and also from several local insurance agents.

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

• Consumers who may need an increased level of liability coverage will pay about $390 each year to go from a low limit to the 250/500 level
• Drivers can save up to $150 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $525 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $389 a month if full coverage is purchased