Toyota Prius v Insurance Rates
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Michelle Robbins
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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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The average insurance prices for a Toyota Prius v are $1,064 every 12 months including full coverage. Comprehensive insurance costs approximately $220 each year, collision costs $306, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $2,280 or more. Teens cost the most to insure at $4,062 a year or more.
Average premium for full coverage: $1,064
Policy rates by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Prius v models.
Price Range Variability
For the normal driver, Toyota Prius v insurance rates go from the cheapest price of $446 for just the minimum liability insurance to a high rate of $2,280 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how geographic area affects auto insurance prices.
The examples above highlight why all drivers should compare rates quotes using their specific location and their own driving history, instead of using averaged prices.
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 breaks down estimated Toyota Prius v insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $630
- Raising to $1,000 deductibles will save $122 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,064
- Selecting low deductibles costs an extra $226 every year
- At-risk drivers with serious driving violations could pay around $2,280 or more
- Policy cost to insure a teen driver can cost $4,062
Insurance rates for a Toyota Prius v also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Prius v.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $350 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,000 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 anywhere from $1,300 to $1,800 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 137% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on Toyota Prius v insurance prices. A middle-age driver might find rates as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,520 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $960 | -$104 | -9.8% |
| Alaska | $814 | -$250 | -23.5% |
| Arizona | $882 | -$182 | -17.1% |
| Arkansas | $1,064 | -$0 | 0.0% |
| California | $1,210 | $146 | 13.7% |
| Colorado | $1,014 | -$50 | -4.7% |
| Connecticut | $1,092 | $28 | 2.6% |
| Delaware | $1,200 | $136 | 12.8% |
| Florida | $1,326 | $262 | 24.6% |
| Georgia | $982 | -$82 | -7.7% |
| Hawaii | $764 | -$300 | -28.2% |
| Idaho | $718 | -$346 | -32.5% |
| Illinois | $792 | -$272 | -25.6% |
| Indiana | $802 | -$262 | -24.6% |
| Iowa | $716 | -$348 | -32.7% |
| Kansas | $1,008 | -$56 | -5.3% |
| Kentucky | $1,446 | $382 | 35.9% |
| Louisiana | $1,572 | $508 | 47.7% |
| Maine | $656 | -$408 | -38.3% |
| Maryland | $876 | -$188 | -17.7% |
| Massachusetts | $848 | -$216 | -20.3% |
| Michigan | $1,842 | $778 | 73.1% |
| Minnesota | $890 | -$174 | -16.4% |
| Mississippi | $1,272 | $208 | 19.5% |
| Missouri | $942 | -$122 | -11.5% |
| Montana | $1,140 | $76 | 7.1% |
| Nebraska | $834 | -$230 | -21.6% |
| Nevada | $1,272 | $208 | 19.5% |
| New Hampshire | $766 | -$298 | -28.0% |
| New Jersey | $1,188 | $124 | 11.7% |
| New Mexico | $938 | -$126 | -11.8% |
| New York | $1,118 | $54 | 5.1% |
| North Carolina | $612 | -$452 | -42.5% |
| North Dakota | $872 | -$192 | -18.0% |
| Ohio | $732 | -$332 | -31.2% |
| Oklahoma | $1,088 | $24 | 2.3% |
| Oregon | $972 | -$92 | -8.6% |
| Pennsylvania | $1,012 | -$52 | -4.9% |
| Rhode Island | $1,416 | $352 | 33.1% |
| South Carolina | $962 | -$102 | -9.6% |
| South Dakota | $896 | -$168 | -15.8% |
| Tennessee | $930 | -$134 | -12.6% |
| Texas | $1,280 | $216 | 20.3% |
| Utah | $786 | -$278 | -26.1% |
| Vermont | $724 | -$340 | -32.0% |
| Virginia | $638 | -$426 | -40.0% |
| Washington | $820 | -$244 | -22.9% |
| West Virginia | $972 | -$92 | -8.6% |
| Wisconsin | $734 | -$330 | -31.0% |
| Wyoming | $946 | -$118 | -11.1% |
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Toyota Prius v | $248 | $380 | $390 | $1,154 |
| 2016 Toyota Prius v | $232 | $350 | $390 | $1,108 |
| 2015 Toyota Prius v | $224 | $328 | $394 | $1,082 |
| 2014 Toyota Prius v | $220 | $306 | $402 | $1,064 |
| 2013 Toyota Prius v | $202 | $284 | $402 | $1,024 |
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 Cheaper Toyota Prius v Insurance
Finding cheaper rates on car insurance consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
The following items are a condensed summary of the information presented in the illustrations above.
- You may be able to save around $120 per year simply by quoting online in advance
- 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $339 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save as much as $350 each year
- Higher risk drivers with multiple at-fault accidents could be charged and average of $1,220 more per year than a driver with a clean driving record
- Policyholders who purchase additional liability coverage will pay approximately $440 per year to raise from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,062 |
| 20 | $2,416 |
| 30 | $1,094 |
| 40 | $1,064 |
| 50 | $972 |
| 60 | $952 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,290 |
| $250 | $1,186 |
| $500 | $1,064 |
| $1,000 | $942 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,064 |
| 50/100 | $1,144 |
| 100/300 | $1,245 |
| 250/500 | $1,506 |
| 100 CSL | $1,185 |
| 300 CSL | $1,406 |
| 500 CSL | $1,567 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,764 |
| 20 | $3,842 |
| 30 | $2,318 |
| 40 | $2,280 |
| 50 | $2,174 |
| 60 | $2,154 |
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 | $56 |
| Multi-vehicle | $56 |
| Homeowner | $17 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $43 |
| Advance Quote | $49 |
| Online Quote | $74 |
| Total Discounts | $434 |
Discounts are estimated and may not be available from every company or in every state.
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