Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,274 a year with full coverage. Comprehensive insurance costs around $294 a year, collision costs $506, and liability coverage is $338. A liability-only policy costs around $394 a year, with high-risk insurance costing $2,748 or more. Teen drivers receive the highest rates at $4,664 a year or more.

Average premium for full coverage: $1,274

Rate estimates for individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

These examples demonstrate why it is important to compare rates quotes for a specific zip code and risk profile, rather than using price averages.

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

Detailed Rate Analysis

The chart below details estimated Toyota Prius insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $733
• Raising to $1,000 deductibles will save about $1,094 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,274
• Choosing low $100 deductibles will cost an extra $354 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,748 or more
• The cost for full coverage for a teenage driver can be $4,664

View Chart as Image

Insurance rates for a Toyota Prius can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $4,600 a year. View Rates by Age

Where you live also has a big influence on Toyota Prius insurance rates. A middle-age driver might find rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,720 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $540 a year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $304 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,500 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 131% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.

How to Find the Best Toyota Prius Insurance

Saving money on auto insurance consists of being safe and accident-free, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around at every policy renewal by getting rate quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

Below you'll find a brief recap of the data touched on above.

• Consumers who may need more liability protection will pay about $370 every year to raise from a minimum limit to 250/500 limits
• You may be able to save up to $150 per year simply by quoting early and online
• Increasing deductibles can save around $525 each year
• Youthful drivers pay higher rates, with premiums as much as $389 per month for full coverage