Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,268 a year for full coverage insurance. Comprehensive costs approximately $284 a year, collision costs $494, and liability costs around $354. Buying just liability costs as low as $406 a year, with insurance for high-risk drivers costing around $2,738. Teen drivers 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:

Price estimates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location, instead of using price averages.

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

Additional Rate Details

The chart below illustrates estimated Toyota Prius insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $727
• Using higher $1,000 deductibles will save $1,092 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,268
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,612
• Drivers with multiple violations and an at-fault accident could pay around $2,738 or more
• Policy cost that insures a teen driver can cost $4,670 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 132% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see rates as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $520 every year, while buying higher liability limits will push rates upward. Switching 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 figure out who has the best car insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates will be varied.

How to Find Cheaper Toyota Prius Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and maximizing policy discounts. Shop around at every policy renewal by requesting rates from direct insurance companies, and also from your local car insurance providers.

The following is a condensed summary of the data covered in the above illustrations.

• Policyholders who purchase higher liability limits will pay about $390 annually to increase from a 30/60 limit to the 250/500 level
• It is possible to save around $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Teens are expensive to insure, possibly costing $389 each month if full coverage is included