Toyota Prius v Insurance Rates

The average insurance rates for a Toyota Prius v are $1,024 a year for full coverage. Comprehensive costs on average $202 each year, collision insurance costs $284, and liability is estimated at $402. Liability-only coverage costs approximately $446 a year, and high-risk coverage costs around $2,202. Teen 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:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Prius v models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how where you live affects car insurance rates.

The examples above show why all drivers should get quotes based on a specific location, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below shows average Toyota Prius v insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $609
• Choosing higher $1,000 deductibles can save around $110 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,024
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,236
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,202
• Policy cost that insures a 16-year-old driver may cost $3,952 each year

View Chart as Image

Insurance rates for a Toyota Prius v also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 131% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Prius v insurance prices. A good driver about age 40 could pay as low as $680 a year in states like Idaho, Maine, and Iowa, or as much as $1,460 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $330 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Toyota Prius v Insurance

Finding cheaper rates on insurance for a Toyota Prius v takes being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Shop around at least every other year by quoting rates from direct carriers, and also from local exclusive and independent agents.

Below is a quick review of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,180 more each year for auto insurance
• Drivers can save as much as $120 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Insureds who require higher levels of liability will pay about $440 each year to raise limits from a 30/60 limit to the 250/500 level