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 costs on average $202, collision costs $284, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,202. 16-year-old drivers cost the most to insure at $3,952 a year or more.

Average premium for full coverage: $1,024

Policy rates by type of insurance:

Comprehensive $202
Collision $284
Liability $402

Prices are based on $500 policy deductibles, 30/60 liability coverage, 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 normal driver, Toyota Prius v insurance rates go from the cheapest price of $446 for a discount liability-only rate to a much higher rate of $2,202 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities.

The price range example below illustrates how geographic area affects 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 get quotes based on a specific location and their own driving history, instead of using 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.

Rates by State, City, and Model

The chart below breaks down estimated Toyota Prius v insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $609
  • Choosing higher $1,000 deductibles can save around $110 every year
  • The average price for a good driver age 40 with $500 deductibles is $1,024
  • Buying more expensive low deductibles for comp and collision coverage increases the price to $1,236
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $2,202 or more
  • Policy cost to insure a teen driver with full coverage may cost $3,952 each year

View Chart as Image

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

Car 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.

Opting for high physical damage deductibles can save 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 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged 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 extra every year, depending on your age. High-risk driver insurance ranges as much as 43% to 131% more than the average rate. View High Risk Driver Rates

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 $790 a year in states like Missouri, New Hampshire, and Vermont, or at least $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

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes will be varied.

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 Affordable Toyota Prius v Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below you'll find a brief review of the coverage data presented in the illustrations above.

  • You may be able to save as much as $120 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save as much as $325 each year
  • Youthful drivers are expensive to insure, with premiums being up to $329 each month if the policy includes full coverage
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,180 more each year than a low-risk driver

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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