Toyota Prius Insurance Rates
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UPDATED: Mar 30, 2024
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The average insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive insurance costs on average $284 a year, collision costs $494, and liability is estimated at $354. Buying just liability costs approximately $406 a year, with insurance for high-risk drivers costing $2,738 or more. Teens cost the most to insure at $4,670 a year or more.
Average premium for full coverage: $1,268
Policy rates by type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Prius trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Toyota Prius insurance rates go from the low end price of $406 for basic liability insurance to a high of $2,738 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects car insurance rates.
The examples above show why it is important to get quotes based on a specific location, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below shows estimated Toyota Prius insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $727
- Choosing higher $1,000 deductibles can save around $1,092 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,268
- Selecting low $100 deductibles for comp and collision coverage will cost an additional $344 annually
- Higher-risk drivers with serious driving violations could pay upwards of $2,738 or more
- Policy cost that insures a 16-year-old driver may cost $4,670 each year
Insurance rates for a Toyota Prius also range considerably based on the trim level of your Prius, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges from 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 pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,600 a year. View Rates by Age
Your home state plays a big part in determining prices for Toyota Prius insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,810 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,144 | -$124 | -9.8% |
| Alaska | $974 | -$294 | -23.2% |
| Arizona | $1,052 | -$216 | -17.0% |
| Arkansas | $1,268 | -$0 | 0.0% |
| California | $1,446 | $178 | 14.0% |
| Colorado | $1,210 | -$58 | -4.6% |
| Connecticut | $1,302 | $34 | 2.7% |
| Delaware | $1,434 | $166 | 13.1% |
| Florida | $1,584 | $316 | 24.9% |
| Georgia | $1,170 | -$98 | -7.7% |
| Hawaii | $912 | -$356 | -28.1% |
| Idaho | $860 | -$408 | -32.2% |
| Illinois | $944 | -$324 | -25.6% |
| Indiana | $954 | -$314 | -24.8% |
| Iowa | $854 | -$414 | -32.6% |
| Kansas | $1,204 | -$64 | -5.0% |
| Kentucky | $1,728 | $460 | 36.3% |
| Louisiana | $1,876 | $608 | 47.9% |
| Maine | $784 | -$484 | -38.2% |
| Maryland | $1,046 | -$222 | -17.5% |
| Massachusetts | $1,012 | -$256 | -20.2% |
| Michigan | $2,200 | $932 | 73.5% |
| Minnesota | $1,062 | -$206 | -16.2% |
| Mississippi | $1,518 | $250 | 19.7% |
| Missouri | $1,126 | -$142 | -11.2% |
| Montana | $1,362 | $94 | 7.4% |
| Nebraska | $998 | -$270 | -21.3% |
| Nevada | $1,520 | $252 | 19.9% |
| New Hampshire | $912 | -$356 | -28.1% |
| New Jersey | $1,418 | $150 | 11.8% |
| New Mexico | $1,122 | -$146 | -11.5% |
| New York | $1,334 | $66 | 5.2% |
| North Carolina | $730 | -$538 | -42.4% |
| North Dakota | $1,038 | -$230 | -18.1% |
| Ohio | $874 | -$394 | -31.1% |
| Oklahoma | $1,300 | $32 | 2.5% |
| Oregon | $1,162 | -$106 | -8.4% |
| Pennsylvania | $1,208 | -$60 | -4.7% |
| Rhode Island | $1,690 | $422 | 33.3% |
| South Carolina | $1,150 | -$118 | -9.3% |
| South Dakota | $1,070 | -$198 | -15.6% |
| Tennessee | $1,108 | -$160 | -12.6% |
| Texas | $1,528 | $260 | 20.5% |
| Utah | $938 | -$330 | -26.0% |
| Vermont | $866 | -$402 | -31.7% |
| Virginia | $758 | -$510 | -40.2% |
| Washington | $980 | -$288 | -22.7% |
| West Virginia | $1,162 | -$106 | -8.4% |
| Wisconsin | $874 | -$394 | -31.1% |
| Wyoming | $1,128 | -$140 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $520 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from multiple companies. Each auto insurer calculates rates differently, so the rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius | $294 | $506 | $338 | $1,274 |
| 2023 Toyota Prius | $284 | $494 | $354 | $1,268 |
| 2022 Toyota Prius | $274 | $474 | $364 | $1,248 |
| 2021 Toyota Prius | $260 | $458 | $376 | $1,230 |
| 2020 Toyota Prius | $250 | $424 | $384 | $1,194 |
| 2019 Toyota Prius | $240 | $400 | $388 | $1,164 |
| 2018 Toyota Prius | $230 | $358 | $390 | $1,114 |
| 2017 Toyota Prius | $214 | $330 | $390 | $1,070 |
| 2016 Toyota Prius | $206 | $310 | $394 | $1,046 |
| 2015 Toyota Prius | $202 | $288 | $402 | $1,028 |
| 2014 Toyota Prius | $186 | $268 | $402 | $992 |
| 2013 Toyota Prius | $182 | $244 | $406 | $968 |
| 2012 Toyota Prius | $170 | $222 | $402 | $930 |
| 2011 Toyota Prius | $160 | $202 | $402 | $900 |
| 2010 Toyota Prius | $154 | $182 | $398 | $870 |
| 2009 Toyota Prius | $152 | $178 | $390 | $856 |
| 2008 Toyota Prius | $150 | $168 | $384 | $838 |
| 2007 Toyota Prius | $138 | $160 | $380 | $814 |
| 2006 Toyota Prius | $132 | $152 | $376 | $796 |
Rates are averaged for all Toyota Prius models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Toyota Prius Insurance
Finding cheaper rates on insurance for a Toyota Prius takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare rates at least once a year by getting price quotes from direct carriers, and also from local exclusive and independent agents.
The following items are a summary of the primary concepts that were raised in the charts and tables above.
- Drivers can save as much as $150 per year simply by quoting early and online
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,470 more each year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save approximately $525 each year
- 16 to 18-year-old drivers pay the highest rates, costing up to $389 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,670 |
| 20 | $2,914 |
| 30 | $1,326 |
| 40 | $1,268 |
| 50 | $1,158 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,612 |
| $250 | $1,454 |
| $500 | $1,268 |
| $1,000 | $1,092 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,268 |
| 50/100 | $1,339 |
| 100/300 | $1,427 |
| 250/500 | $1,657 |
| 100 CSL | $1,374 |
| 300 CSL | $1,569 |
| 500 CSL | $1,711 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,674 |
| 20 | $4,634 |
| 30 | $2,804 |
| 40 | $2,738 |
| 50 | $2,608 |
| 60 | $2,584 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $66 |
| Homeowner | $18 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $59 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $541 |
Discounts are estimated and may not be available from every company or in every state.
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