Toyota Prius v Insurance Rates

The average auto insurance rates for a Toyota Prius v are $1,024 annually including full coverage. Comprehensive insurance costs an estimated $202, collision costs $284, and liability coverage costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing $2,202 or more. Teenage drivers cost the most to insure at $3,952 a year or more.

Average premium for full coverage: $1,024

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Prius v trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Toyota Prius v insurance rates for other coverage scenarios.

• The best discount rate is $609
• Drivers who choose higher $1,000 deductibles will pay approximately $110 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,024
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $212 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,202 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost as much as $3,952 a year

View Chart as Image

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

An older driver with a good driving record and high physical damage deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,200 to $1,700 in extra premium every year, depending on your age. High-risk driver insurance can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $330 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Toyota Prius v insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,460 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Every company uses a different method to calculate rates, and quoted rates will be varied between companies.

How to Buy the Best Toyota Prius v Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief recap of the car insurance concepts touched on above.

• Drivers who tend to receive serious violations could be forced to pay on average $1,180 more annually than a safer driver
• You may be able to save approximately $120 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Consumers who want an increased level of liability coverage will pay an extra $440 per year to go from a 30/60 limit to higher 250/500 limits