Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,268 a year with full coverage. Comprehensive costs approximately $284 each year, collision insurance costs $494, and liability insurance is estimated at $354. A policy with just liability insurance costs approximately $406 a year, and coverage for high-risk drivers costs around $2,738. 16-year-old drivers pay the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Price estimates by individual coverage:

Prices include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Prius models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why all drivers should get quotes using their specific location, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below details average Toyota Prius insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $727
• Choosing higher $1,000 deductibles can save $176 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,268
• Buying low deductibles for comp and collision coverage bumps up the cost to $1,612
• High-risk insureds with multiple tickets or accidents could pay around $2,738
• The price that insures a teen driver can cost $4,670 each year

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Insurance prices for a Toyota Prius are also quite variable based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

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

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Opting for high physical damage deductibles can save as much as $520 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit

How to Find the Right Toyota Prius Insurance

Getting lower rates on Toyota Prius insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop at least once a year by getting quotes from direct companies, and also from local insurance agencies.

The following is a quick rundown of the primary concepts that were covered above.

• You may be able to save around $150 per year just by quoting online in advance
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,470 more per year for Prius insurance
• Increasing physical damage deductibles can save approximately $525 each year
• Teens are expensive to insure, costing up to $389 a month if full coverage is included