Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive costs around $284, collision insurance costs $494, and liability insurance is $354. Liability-only insurance costs around $406 a year, and high-risk driver insurance costs around $2,738. Teenage drivers cost the most to insure at up to $4,670 a year.

Average premium for full coverage: $1,268

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $727
• Raising to $1,000 deductibles will save about $176 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,268
• Using more expensive low deductibles will increase the cost to $1,612
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,738
• Policy cost for full coverage for a teen driver with full coverage can be $4,670

View Chart as Image

Auto insurance rates for a Toyota Prius also range considerably based on your risk profile, the trim level of your Prius, and deductibles and policy limits.

An older driver with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

Your home state also has a big influence on Toyota Prius insurance rates. A middle-age driver might find rates as low as $840 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,810 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $520 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Toyota Prius Insurance

Finding cheaper rates on Toyota Prius insurance consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below you'll find a quick review of the data that was covered in the charts and tables above.

• Drivers can save up to $150 per year just by shopping early and online
• Drivers who may need more liability protection will pay an extra $390 each year to raise from a 30/60 limit to 250/500 limits
• Youthful drivers are expensive to insure, costing up to $389 each month if they have full coverage
• High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,470 more every year than a low-risk driver