Toyota Prius c Insurance Rates

The average insurance rates for a Toyota Prius c are $1,042 a year including full coverage. Comprehensive insurance costs around $206 a year, collision insurance costs $310, and liability coverage costs around $390. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs $2,244 or more. Teen drivers cost the most to insure at up to $4,008 a year.

Average premium for full coverage: $1,042

Policy rates for type of insurance:

Rates are based on $500 physical damage insurance deductibles, split 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 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and risk profile, rather than using price averages.

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

Additional Rate Details

The chart below breaks down average Toyota Prius c insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $617
• Using higher $1,000 deductibles will save about $924 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,042
• Choosing low $100 deductibles for physical damage coverage will cost an extra $226 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,244
• Policy cost for full coverage for a teenage driver can be $4,008 or more

View Chart as Image

Insurance rates for a Toyota Prius c also range considerably based on your risk profile, the model of your Prius c, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $4,000 a year. View Rates by Age

Your home state has a huge impact on Toyota Prius c insurance rates. A driver around age 40 might see rates as low as $800 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,490 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut rates by as much as $350 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy can be around 42% to 128% more than average. View High Risk Driver Rates

How to Find the Best Cheap Toyota Prius c Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to compare rates at least once a year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a quick review of the primary concepts that were covered above.

• You may be able to save up to $120 per year just by quoting early and online
• Drivers with a DUI or reckless driving violation pay on average $1,200 more every year to insure their Prius c
• Increasing comprehensive and collision deductibles can save around $350 each year
• Teen drivers are charged the highest rates, with premiums being up to $334 each month including comprehensive and collision insurance