Toyota Prius c Insurance Rates
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UPDATED: Mar 29, 2024
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The average auto insurance rates for a Toyota Prius c are $1,084 annually with full coverage. Comprehensive insurance costs approximately $220 a year, collision costs $338, and liability coverage costs around $390. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing $2,332 or more. Teen drivers cost the most to insure at $4,136 a year or more.
Average premium for full coverage: $1,084
Policy rates by type of insurance:
Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Prius c trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Toyota Prius c insurance rates go from as cheap as $438 for a discount liability-only rate to a high of $2,332 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above demonstrate why it is important to compare prices using their 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.
Rates by State, City, and Model
The chart below details estimated Toyota Prius c insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $638
- Using higher $1,000 deductibles will save $956 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,084
- Choosing low $100 deductibles for physical damage coverage costs an additional $242 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,332 or more
- Policy cost with full coverage for a teenage driver can cost $4,136 or more
Insurance rates for a Toyota Prius c also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,000 a year, 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 in the ballpark of $4,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,300 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy can be around 44% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $370 a year, while buying higher liability limits will push rates upward. Moving 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 has a huge impact on Toyota Prius c insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,460 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $980 | -$104 | -9.6% |
| Alaska | $830 | -$254 | -23.4% |
| Arizona | $898 | -$186 | -17.2% |
| Arkansas | $1,084 | -$0 | 0.0% |
| California | $1,234 | $150 | 13.8% |
| Colorado | $1,034 | -$50 | -4.6% |
| Connecticut | $1,112 | $28 | 2.6% |
| Delaware | $1,224 | $140 | 12.9% |
| Florida | $1,352 | $268 | 24.7% |
| Georgia | $1,002 | -$82 | -7.6% |
| Hawaii | $778 | -$306 | -28.2% |
| Idaho | $732 | -$352 | -32.5% |
| Illinois | $808 | -$276 | -25.5% |
| Indiana | $816 | -$268 | -24.7% |
| Iowa | $730 | -$354 | -32.7% |
| Kansas | $1,028 | -$56 | -5.2% |
| Kentucky | $1,478 | $394 | 36.3% |
| Louisiana | $1,604 | $520 | 48.0% |
| Maine | $670 | -$414 | -38.2% |
| Maryland | $894 | -$190 | -17.5% |
| Massachusetts | $864 | -$220 | -20.3% |
| Michigan | $1,880 | $796 | 73.4% |
| Minnesota | $908 | -$176 | -16.2% |
| Mississippi | $1,298 | $214 | 19.7% |
| Missouri | $962 | -$122 | -11.3% |
| Montana | $1,162 | $78 | 7.2% |
| Nebraska | $854 | -$230 | -21.2% |
| Nevada | $1,298 | $214 | 19.7% |
| New Hampshire | $782 | -$302 | -27.9% |
| New Jersey | $1,212 | $128 | 11.8% |
| New Mexico | $956 | -$128 | -11.8% |
| New York | $1,142 | $58 | 5.4% |
| North Carolina | $624 | -$460 | -42.4% |
| North Dakota | $888 | -$196 | -18.1% |
| Ohio | $746 | -$338 | -31.2% |
| Oklahoma | $1,112 | $28 | 2.6% |
| Oregon | $994 | -$90 | -8.3% |
| Pennsylvania | $1,032 | -$52 | -4.8% |
| Rhode Island | $1,444 | $360 | 33.2% |
| South Carolina | $982 | -$102 | -9.4% |
| South Dakota | $914 | -$170 | -15.7% |
| Tennessee | $948 | -$136 | -12.5% |
| Texas | $1,304 | $220 | 20.3% |
| Utah | $802 | -$282 | -26.0% |
| Vermont | $740 | -$344 | -31.7% |
| Virginia | $648 | -$436 | -40.2% |
| Washington | $836 | -$248 | -22.9% |
| West Virginia | $994 | -$90 | -8.3% |
| Wisconsin | $748 | -$336 | -31.0% |
| Wyoming | $964 | -$120 | -11.1% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Toyota Prius c | $238 | $400 | $384 | $1,158 |
| 2017 Toyota Prius c | $220 | $338 | $390 | $1,084 |
| 2016 Toyota Prius c | $206 | $310 | $390 | $1,042 |
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 the Best Toyota Prius c Insurance
Finding cheaper rates on auto insurance requires being a safe and courteous driver, having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a brief recap of the data raised in the charts and tables above.
- Consumers who purchase higher levels of liability will pay about $430 every year to increase from a 30/60 limit to higher 250/500 limits
- You may be able to save around $130 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $375 each year
- Teenage drivers are the costliest to insure, as much as $345 each month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,136 |
| 20 | $2,478 |
| 30 | $1,120 |
| 40 | $1,084 |
| 50 | $992 |
| 60 | $972 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,326 |
| $250 | $1,214 |
| $500 | $1,084 |
| $1,000 | $956 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,084 |
| 50/100 | $1,162 |
| 100/300 | $1,260 |
| 250/500 | $1,513 |
| 100 CSL | $1,201 |
| 300 CSL | $1,416 |
| 500 CSL | $1,572 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,874 |
| 20 | $3,944 |
| 30 | $2,374 |
| 40 | $2,332 |
| 50 | $2,226 |
| 60 | $2,204 |
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 | $57 |
| Multi-vehicle | $57 |
| Homeowner | $17 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $69 |
| Paid in Full/EFT | $45 |
| Advance Quote | $51 |
| Online Quote | $76 |
| Total Discounts | $446 |
Discounts are estimated and may not be available from every company or in every state.
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