Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,274 every 12 months for full coverage. Comprehensive costs an estimated $294 a year, collision costs $506, and liability coverage costs $338. Liability-only insurance costs as little as $394 a year, with high-risk driver insurance costing around $2,748. Teenage drivers cost the most to insure at $4,664 a year or more.

Average premium for full coverage: $1,274

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates the difference location can make on insurance prices.

The examples above show why it is important to compare rates for a targeted area and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

The chart below shows estimated Toyota Prius insurance rates for other coverage scenarios.

• The best discount rate is $733
• Drivers who choose higher $1,000 deductibles will pay approximately $1,094 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,274
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,628
• High-risk insureds who are prone to accidents and violations could pay up to $2,748 or more
• Policy cost to insure a teenage driver can cost as much as $4,664 a year

View Chart as Image

Auto insurance rates for a Toyota Prius also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Using high physical damage deductibles could save up to $540 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,500 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate rates, and quoted rates will be varied.

How to Shop for More Affordable Toyota Prius Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every year by getting quotes from direct carriers, and also from several local insurance agents.

The following items are a summary of the coverage data touched on in this article.

• Drivers can save approximately $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $389 each month if comprehensive and collision insurance is included
• Drivers who have multiple accidents or major violations pay on average $1,470 more annually than a driver with a clean driving record