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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U.S. average auto insurance rates for a Toyota Prius v are $1,024 annually for full coverage insurance. Comprehensive costs approximately $202 a year, collision insurance costs $284, and liability is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs around $2,202. 16-year-old drivers pay the highest rates at up to $3,952 a year.
Average premium for full coverage: $1,024
Price estimates by individual coverage:
Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Prius v trim levels.
Price Range from Low to High
For the average 40-year-old driver, Toyota Prius v insurance prices range from as cheap as $446 for just the minimum liability insurance to a high of $2,202 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have fewer physical damage claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.
The ranges above illustrate why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on rate averages.
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 Analysis
The chart below illustrates average Toyota Prius v insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $609
- Raising to $1,000 deductibles will save $914 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,024
- Buying low $100 deductibles will cost $1,236
- Drivers with multiple tickets or accidents could pay around $2,202
- The price with full coverage for a 16-year-old driver can cost $3,952
Insurance prices for a Toyota Prius v are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,700 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $330 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 more each year. 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 $670 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,380 on average in Florida, New York, and Michigan.
| 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% |
| 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 Cheaper Toyota Prius v Insurance
Getting lower rates on insurance for a Toyota Prius v consists of being a low-risk driver, having good credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates every other policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The items below are a condensed summary of the ideas that were touched on in this article.
- Teen drivers are the costliest to insure, as much as $329 a month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,180 more per year to insure their Prius v
- Increasing physical damage deductibles could save up to $325 each year
- It is possible to save around $120 per year just by quoting early and online
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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