Toyota Prius v Insurance Rates

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UPDATED: May 7, 2024

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U.S. average auto insurance rates for a Toyota Prius v are $1,024 annually with full coverage. Comprehensive insurance costs around $202, collision costs $284, and liability is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance costing $2,202 or more. Teenage drivers pay the highest rates at $3,952 a year or more.

Average premium for full coverage: $1,024

Price estimates for individual coverage:

Comprehensive $202
Collision $284
Liability $402

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Prius v models.

Price Range from Low to High

Using a 40-year-old driver as an example, Toyota Prius v insurance prices go from as cheap as $446 for basic liability insurance to the much higher price of $2,202 for a driver required to buy high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance rates.

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

The ranges above demonstrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on 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.

Rate Comparisons

The chart below details estimated Toyota Prius v insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $609
  • Raising to $1,000 deductibles will save about $110 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,024
  • Using pricier low deductibles costs an additional $212 annually
  • Drivers who are prone to accidents and violations could pay at least $2,202 or more
  • The price with full coverage for a 16-year-old driver for full coverage can be $3,952

View Chart as Image

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

Car insurance prices for a Toyota Prius v are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $3,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,200 to $1,700 extra each year, depending on your age. Toyota Prius v insurance for high-risk drivers is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $330 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Toyota Prius v insurance prices. A middle-age driver might find prices as low as $740 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,380 on average in Florida, Michigan, and New York.

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

Since prices can be so different, the best way to find out your exact price is to regularly compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy the Best Toyota Prius v Insurance

Getting lower rates on insurance for a Toyota Prius v consists of being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief recap of the data raised in the charts and tables above.

  • Insureds who may need more liability coverage will pay an extra $440 every year to raise from a low limit to higher 250/500 limits
  • You may be able to save up to $120 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save up to $325 each year
  • Teen drivers are the costliest to insure, costing up to $329 a 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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