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 for full coverage insurance. Comprehensive costs approximately $206, collision costs $310, and liability is estimated at $390. A liability-only policy costs approximately $438 a year, with high-risk insurance costing around $2,244. 16-year-old 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:
Includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different Prius c trim levels.
Price Range Variability
For an average driver, Toyota Prius c insurance rates go from as low as $438 for a discount liability-only rate to a much higher rate of $2,244 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities.
The price range example below illustrates the effect of geographic area on auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based on rate 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 illustrates estimated Toyota Prius c insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $617
- Choosing higher $1,000 deductibles can save $118 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,042
- Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,268
- Higher-risk drivers with multiple tickets or accidents could pay around $2,244 or more
- Policy cost for full coverage for a 16-year-old driver with full coverage can cost $4,008 each year
Car insurance rates for a Toyota Prius c also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $4,000 a year. View Rates by Age
Your home state plays a big part in determining prices for Toyota Prius c insurance prices. A good driver about age 40 could pay as low as $680 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,410 on average in Florida, 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% |
Opting for high physical damage deductibles can save as much as $350 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance ranges from 42% to 128% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes will be varied from one company to the next.
| 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 insurance for a Toyota Prius c takes being a good driver, having above-average credit, being claim-free, and avoiding coverage lapses. Take the time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a recap of the data covered in the above illustrations.
- Insureds who purchase an increased level of liability coverage will pay around $430 annually to raise limits from a 30/60 limit to 250/500 limits
- It is possible to save around $120 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $350 each year
- Drivers age 16 to 20 pay the highest auto insurance rates, possibly costing $334 each month if full coverage is included
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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