Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive costs approximately $284 each year, collision insurance costs $494, and liability insurance costs around $354. A policy with just liability insurance costs as low as $406 a year, and coverage for high-risk drivers costs around $2,738. Teens receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates by individual coverage type:

Rates are based on $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Prius models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance prices.

These examples show why all drivers should compare prices using their specific location and risk profile, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $727
• Using higher $1,000 deductibles will save $176 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,268
• Selecting low deductibles for physical damage coverage will increase the cost to $1,612
• Drivers with serious driving violations could pay around $2,738
• The cost for full coverage for a teen driver can cost $4,670 or more

View Chart as Image

Insurance rates for a Toyota Prius can also vary considerably based on your driver profile, the trim level of your Prius, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,810 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $520 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates

How to Find the Best Cheap Toyota Prius Insurance

Saving money on Toyota Prius insurance requires not taking risks behind the wheel, having a good credit history, eliminating unneeded coverage, and consideration of higher deductibles. Set aside time to shop around once a year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a quick review of the data that was raised in the charts and tables above.

• Drivers can save around $150 per year just by quoting online in advance
• Drivers who purchase higher liability limits will pay approximately $390 each year to increase from a minimum limit to 250/500 limits
• Teens are the costliest to insure, costing as high as $389 per month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,470 more per year for Prius insurance