Toyota Prius c Insurance Rates
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Michelle Robbins
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UPDATED: Mar 29, 2024
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The average auto insurance rates for a Toyota Prius c are $1,042 annually for full coverage insurance. Comprehensive costs on average $206, collision costs $310, and liability coverage costs $390. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing around $2,244. Teen drivers cost the most to insure at $4,008 a year or more.
Average premium for full coverage: $1,042
Policy rates by type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Prius c trim levels.
Price Range Variability
Using a middle-aged driver as an example, Toyota Prius c insurance rates go from as cheap as $438 for your basic liability-only policy to a much higher rate of $2,244 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.
The price range example below illustrates how where you live affects car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below illustrates estimated Toyota Prius c insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $617
- Drivers who choose higher $1,000 deductibles will pay around $118 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,042
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,268
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,244 or more
- Policy cost with full coverage for a teenage driver with full coverage may cost $4,008 a year
Insurance rates for a Toyota Prius c also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance can cost around 42% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $350 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Toyota Prius c insurance rates. A 40-year-old driver could pay as low as $680 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,410 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $942 | -$100 | -9.6% |
| Alaska | $800 | -$242 | -23.2% |
| Arizona | $864 | -$178 | -17.1% |
| Arkansas | $1,042 | -$0 | 0.0% |
| California | $1,188 | $146 | 14.0% |
| Colorado | $994 | -$48 | -4.6% |
| Connecticut | $1,068 | $26 | 2.5% |
| Delaware | $1,178 | $136 | 13.1% |
| Florida | $1,300 | $258 | 24.8% |
| Georgia | $964 | -$78 | -7.5% |
| Hawaii | $748 | -$294 | -28.2% |
| Idaho | $706 | -$336 | -32.2% |
| Illinois | $776 | -$266 | -25.5% |
| Indiana | $784 | -$258 | -24.8% |
| Iowa | $702 | -$340 | -32.6% |
| Kansas | $988 | -$54 | -5.2% |
| Kentucky | $1,422 | $380 | 36.5% |
| Louisiana | $1,542 | $500 | 48.0% |
| Maine | $644 | -$398 | -38.2% |
| Maryland | $860 | -$182 | -17.5% |
| Massachusetts | $830 | -$212 | -20.3% |
| Michigan | $1,808 | $766 | 73.5% |
| Minnesota | $874 | -$168 | -16.1% |
| Mississippi | $1,248 | $206 | 19.8% |
| Missouri | $926 | -$116 | -11.1% |
| Montana | $1,118 | $76 | 7.3% |
| Nebraska | $820 | -$222 | -21.3% |
| Nevada | $1,248 | $206 | 19.8% |
| New Hampshire | $752 | -$290 | -27.8% |
| New Jersey | $1,164 | $122 | 11.7% |
| New Mexico | $920 | -$122 | -11.7% |
| New York | $1,096 | $54 | 5.2% |
| North Carolina | $600 | -$442 | -42.4% |
| North Dakota | $854 | -$188 | -18.0% |
| Ohio | $718 | -$324 | -31.1% |
| Oklahoma | $1,068 | $26 | 2.5% |
| Oregon | $954 | -$88 | -8.4% |
| Pennsylvania | $992 | -$50 | -4.8% |
| Rhode Island | $1,390 | $348 | 33.4% |
| South Carolina | $946 | -$96 | -9.2% |
| South Dakota | $880 | -$162 | -15.5% |
| Tennessee | $912 | -$130 | -12.5% |
| Texas | $1,256 | $214 | 20.5% |
| Utah | $772 | -$270 | -25.9% |
| Vermont | $712 | -$330 | -31.7% |
| Virginia | $624 | -$418 | -40.1% |
| Washington | $804 | -$238 | -22.8% |
| West Virginia | $954 | -$88 | -8.4% |
| Wisconsin | $718 | -$324 | -31.1% |
| Wyoming | $926 | -$116 | -11.1% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Every company uses a different rate calculation, and rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Toyota Prius c | $230 | $376 | $388 | $1,130 |
| 2017 Toyota Prius c | $206 | $310 | $390 | $1,042 |
| 2016 Toyota Prius c | $198 | $292 | $394 | $1,020 |
Rates are averaged for all Toyota Prius c models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy More Affordable Toyota Prius c Insurance
Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, being claim-free, and insuring your home and auto with the same company. Take the time to comparison shop at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a summary of the car insurance concepts touched on in the above illustrations.
- Drivers who have multiple accidents or major violations may pay on average $1,200 more each year for car insurance
- It is possible to save as much as $120 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $350 each year
- Consumers who require higher liability limits will pay about $430 annually to go from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,008 |
| 20 | $2,384 |
| 30 | $1,076 |
| 40 | $1,042 |
| 50 | $954 |
| 60 | $934 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,268 |
| $250 | $1,162 |
| $500 | $1,042 |
| $1,000 | $924 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,042 |
| 50/100 | $1,120 |
| 100/300 | $1,218 |
| 250/500 | $1,471 |
| 100 CSL | $1,159 |
| 300 CSL | $1,374 |
| 500 CSL | $1,530 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,686 |
| 20 | $3,792 |
| 30 | $2,280 |
| 40 | $2,244 |
| 50 | $2,142 |
| 60 | $2,120 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $54 |
| Multi-vehicle | $55 |
| Homeowner | $17 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $43 |
| Advance Quote | $48 |
| Online Quote | $72 |
| Total Discounts | $425 |
Discounts are estimated and may not be available from every company or in every state.
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