Toyota Prius v Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 7, 2024
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Average insurance prices for a Toyota Prius v are $1,024 every 12 months for full coverage insurance. Comprehensive costs on average $202, collision costs $284, and liability coverage is $402. Buying just liability costs around $446 a year, with insurance for high-risk drivers costing around $2,202. Teens receive the highest rates at $3,952 a year or more.
Average premium for full coverage: $1,024
Rate estimates by individual coverage type:
Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different Prius v trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $446 for the bare minimum liability coverage to a much higher rate of $2,202 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than using averaged prices.
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 Information
The chart below illustrates estimated Toyota Prius v insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $609
- Raising to $1,000 deductibles will save around $110 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,024
- Selecting more expensive low deductibles increases the price to $1,236
- Unlucky drivers with serious driving violations could pay upwards of $2,202 or more
- The cost to insure a teenage driver with full coverage may cost $3,952
Auto insurance rates for a Toyota Prius v can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Prius v.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $330 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $3,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,700 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 131% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Toyota Prius v insurance rates. A middle-age driver might find rates as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,380 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $926 | -$98 | -9.6% |
| Alaska | $786 | -$238 | -23.2% |
| Arizona | $850 | -$174 | -17.0% |
| Arkansas | $1,024 | -$0 | 0.0% |
| California | $1,168 | $144 | 14.1% |
| Colorado | $976 | -$48 | -4.7% |
| Connecticut | $1,052 | $28 | 2.7% |
| Delaware | $1,156 | $132 | 12.9% |
| Florida | $1,278 | $254 | 24.8% |
| Georgia | $948 | -$76 | -7.4% |
| Hawaii | $736 | -$288 | -28.1% |
| Idaho | $694 | -$330 | -32.2% |
| Illinois | $764 | -$260 | -25.4% |
| Indiana | $772 | -$252 | -24.6% |
| Iowa | $692 | -$332 | -32.4% |
| Kansas | $972 | -$52 | -5.1% |
| Kentucky | $1,394 | $370 | 36.1% |
| Louisiana | $1,516 | $492 | 48.0% |
| Maine | $632 | -$392 | -38.3% |
| Maryland | $846 | -$178 | -17.4% |
| Massachusetts | $816 | -$208 | -20.3% |
| Michigan | $1,776 | $752 | 73.4% |
| Minnesota | $858 | -$166 | -16.2% |
| Mississippi | $1,228 | $204 | 19.9% |
| Missouri | $908 | -$116 | -11.3% |
| Montana | $1,098 | $74 | 7.2% |
| Nebraska | $806 | -$218 | -21.3% |
| Nevada | $1,228 | $204 | 19.9% |
| New Hampshire | $738 | -$286 | -27.9% |
| New Jersey | $1,144 | $120 | 11.7% |
| New Mexico | $906 | -$118 | -11.5% |
| New York | $1,078 | $54 | 5.3% |
| North Carolina | $590 | -$434 | -42.4% |
| North Dakota | $840 | -$184 | -18.0% |
| Ohio | $706 | -$318 | -31.1% |
| Oklahoma | $1,050 | $26 | 2.5% |
| Oregon | $938 | -$86 | -8.4% |
| Pennsylvania | $976 | -$48 | -4.7% |
| Rhode Island | $1,364 | $340 | 33.2% |
| South Carolina | $928 | -$96 | -9.4% |
| South Dakota | $866 | -$158 | -15.4% |
| Tennessee | $896 | -$128 | -12.5% |
| Texas | $1,234 | $210 | 20.5% |
| Utah | $758 | -$266 | -26.0% |
| Vermont | $698 | -$326 | -31.8% |
| Virginia | $614 | -$410 | -40.0% |
| Washington | $788 | -$236 | -23.0% |
| West Virginia | $938 | -$86 | -8.4% |
| Wisconsin | $706 | -$318 | -31.1% |
| Wyoming | $910 | -$114 | -11.1% |
With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, and quoted rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Toyota Prius v | $232 | $350 | $390 | $1,108 |
| 2016 Toyota Prius v | $224 | $328 | $394 | $1,082 |
| 2015 Toyota Prius v | $220 | $306 | $402 | $1,064 |
| 2014 Toyota Prius v | $202 | $284 | $402 | $1,024 |
| 2013 Toyota Prius v | $198 | $258 | $406 | $998 |
Rates are averaged for all Toyota Prius v models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Cheapest Toyota Prius v Insurance
Saving money on auto insurance consists of being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a recap of the car insurance concepts raised in the charts and tables above.
- Drivers that have major violations or accidents pay on average $1,180 more each year to insure their Prius v
- It is possible to save as much as $120 per year simply by shopping early and online
- Increasing deductibles could save as much as $325 each year
- Consumers who require more liability coverage will pay approximately $440 annually to raise from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,952 |
| 20 | $2,330 |
| 30 | $1,052 |
| 40 | $1,024 |
| 50 | $938 |
| 60 | $918 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,236 |
| $250 | $1,140 |
| $500 | $1,024 |
| $1,000 | $914 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,024 |
| 50/100 | $1,104 |
| 100/300 | $1,205 |
| 250/500 | $1,466 |
| 100 CSL | $1,145 |
| 300 CSL | $1,366 |
| 500 CSL | $1,527 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,602 |
| 20 | $3,712 |
| 30 | $2,234 |
| 40 | $2,202 |
| 50 | $2,098 |
| 60 | $2,078 |
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 | $53 |
| Multi-vehicle | $54 |
| Homeowner | $17 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $41 |
| Advance Quote | $47 |
| Online Quote | $71 |
| Total Discounts | $415 |
Discounts are estimated and may not be available from every company or in every state.
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