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 insurance rates for a Toyota Prius c are $1,042 a year including full coverage. Comprehensive insurance costs an estimated $206 each year, collision costs $310, and liability insurance is $390. Liability-only coverage costs around $438 a year, with high-risk coverage costing $2,244 or more. Teen drivers cost the most to insure at $4,008 a year or more.
Average premium for full coverage: $1,042
Policy rates broken down by type of insurance:
Includes $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Prius c models.
Price Range Variability
For the normal driver, Toyota Prius c insurance rates go from the low end price of $438 for minimum levels of liability insurance to a high rate of $2,244 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how geographic area affects insurance prices.
The examples above highlight why all drivers should compare rates quotes for a targeted area, rather than relying on 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.
Additional Rate Details
The chart below breaks down estimated Toyota Prius c insurance rates for other coverage scenarios.
- The lowest rate with discounts is $617
- Raising to $1,000 deductibles will save approximately $118 every year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,042
- Choosing low deductibles will cost an additional $226 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,244 or more
- Policy cost that insures a teen driver can cost as much as $4,008
Insurance rates for a Toyota Prius c also range considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are likely paying $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 128% more than average. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,000 a year. View Rates by Age
Your home state also has a big influence on Toyota Prius c insurance rates. A middle-age driver might find rates as low as $800 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,490 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles can reduce rates by up to $350 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates will be varied.
| 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 Find the Cheapest Toyota Prius c Insurance
Finding cheaper rates on Toyota Prius c insurance consists of not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around once a year by getting quotes from direct car insurance companies, and also from your local car insurance providers.
The following is a recap of the data that was presented in the illustrations above.
- You may be able to save approximately $120 per year simply by quoting online in advance
- Drivers who want higher liability limits will pay about $430 per year to raise from a 30/60 limit to the 250/500 level
- Teens are expensive to insure, with premiums being up to $334 each month if comprehensive and collision insurance is included
- High-risk drivers that have major violations or accidents could be charged and average of $1,200 more annually for Prius c insurance
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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