Toyota Prius v Insurance Rates

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UPDATED: May 7, 2024

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The average insurance prices for a Toyota Prius v are $1,024 every 12 months including full coverage. Comprehensive insurance costs on average $202, collision insurance costs $284, and liability costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs $2,202 or more. Teenage drivers cost the most to insure at up to $3,952 a year.

Average premium for full coverage: $1,024

Policy rates by type of insurance:

Comprehensive $202
Collision $284
Liability $402

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Prius v trim levels.

Price Range Variability

For the average 40-year-old driver, Toyota Prius v insurance rates range from the cheapest price of $446 for a discount liability-only rate to a much higher rate of $2,202 for coverage for higher-risk drivers.

Liability Only $446
Full Coverage $1,024
High Risk $2,202

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.

Rural Areas $768
Small Cities $1,075
Large Cities $1,382

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of using average rates.

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 breaks down average Toyota Prius v insurance rates for different risk profiles and scenarios.

  • The best discount rate is $609
  • Using higher $1,000 deductibles will save around $110 every year
  • The average price for a good driver age 40 with $500 deductibles is $1,024
  • Using more expensive low deductibles for physical damage coverage costs an extra $212 every year
  • Drivers who are prone to accidents and violations could pay upwards of $2,202
  • Policy cost to insure a teen driver with full coverage may cost $3,952 or more

View Chart as Image

Toyota Prius v insurance cost comparison chart
Column chart showing Toyota Prius v insurance prices range from $609 to $3,952 for full coverage

Auto insurance rates for a Toyota Prius v also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Prius v.

Using high physical damage deductibles could cut rates by as much as $330 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,200 to $1,700 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota Prius v insurance prices. A driver around age 40 might see rates as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,460 on average in Michigan, New York, and Louisiana.

Toyota Prius v Insurance Rates by State
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%

View Chart as Image

Toyota Prius v insurance rates by U.S. city
Toyota Prius v Insurance Rates by Model Year
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 More Affordable Toyota Prius v Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates at least once a year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a summary of the primary concepts that were touched on in this article.

  • You may be able to save as much as $120 per year just by shopping early and online
  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,180 more each year for Prius v insurance
  • Increasing comprehensive and collision deductibles could save as much as $325 each year
  • Teens are charged the highest rates, with premiums being up to $329 each month if comprehensive and collision insurance is included

Rates by Driver Age

Toyota Prius v Insurance 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

Toyota Prius v Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,236
$250 $1,140
$500 $1,024
$1,000 $914

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius v Insurance Rates with Different Liability Limits
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

Toyota Prius v Insurance 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.

SR-22 Surcharge $138

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
Rate after discounts $609

Discounts are estimated and may not be available from every company or in every state.

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