Toyota Prius Insurance Rates

Average auto insurance rates for a Toyota Prius are $1,268 annually for full coverage. Comprehensive costs around $284 a year, collision insurance costs $494, and liability coverage is $354. Liability-only coverage costs around $406 a year, and high-risk coverage costs around $2,738. 16-year-old drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates for individual coverage type:

Prices include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 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 auto insurance rates. Areas with sparse population tend to have fewer accident claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples show why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $727
• Raising to $1,000 deductibles will save about $1,092 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,268
• Buying low $100 deductibles will cost $1,612
• Unlucky drivers with multiple tickets or accidents could pay at least $2,738
• The cost with full coverage for a teenage driver can be $4,670

View Chart as Image

Car insurance rates for a Toyota Prius can also vary considerably based on the trim level of your Prius, your driver profile, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $520 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live 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 at least $1,810 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Right Toyota Prius Insurance

Saving money on auto insurance consists of being safe and accident-free, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Set aside time to shop around once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

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

• Drivers can save up to $150 per year just by quoting early and online
• Consumers who may need more liability protection will pay around $390 each year to raise from a minimum limit to higher 250/500 limits
• Youthful drivers are the costliest to insure, costing as high as $389 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions pay an average of $1,470 more every year than a low-risk driver