Toyota Prius Insurance Rates
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UPDATED: May 12, 2023
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Average insurance prices for a Toyota Prius are $992 every 12 months with full coverage. Comprehensive costs around $186, collision costs $268, and liability costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing around $2,136. Teen drivers receive the highest rates at $3,866 a year or more.
Average premium for full coverage: $992
Rate estimates for individual coverage type:
Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Prius trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from the cheapest price of $446 for just liability coverage to a much higher rate of $2,136 for coverage for higher-risk drivers.
Price Range by Location
Where you live can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than larger metro areas.
The price range example below illustrates the effect of geographic area on auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of using price 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.
Detailed Rate Analysis
The chart below details estimated Toyota Prius insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $591
- Using higher $1,000 deductibles will save about $104 annually
- The average price for a 40-year-old driver using $500 deductibles is $992
- Choosing more expensive low deductibles for physical damage coverage increases the price to $1,190
- Drivers with multiple violations and an at-fault accident could pay at least $2,136 or more
- The cost to insure a teen driver with full coverage can be $3,866 or more
Insurance rates for a Toyota Prius can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Choosing high deductibles could cut rates by as much as $310 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $3,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance can be as much as 44% to 135% more than average. View High Risk Driver Rates
Where you live has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see rates as low as $720 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,340 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $896 | -$96 | -9.7% |
| Alaska | $762 | -$230 | -23.2% |
| Arizona | $824 | -$168 | -16.9% |
| Arkansas | $992 | -$0 | 0.0% |
| California | $1,132 | $140 | 14.1% |
| Colorado | $946 | -$46 | -4.6% |
| Connecticut | $1,020 | $28 | 2.8% |
| Delaware | $1,122 | $130 | 13.1% |
| Florida | $1,238 | $246 | 24.8% |
| Georgia | $918 | -$74 | -7.5% |
| Hawaii | $712 | -$280 | -28.2% |
| Idaho | $672 | -$320 | -32.3% |
| Illinois | $740 | -$252 | -25.4% |
| Indiana | $748 | -$244 | -24.6% |
| Iowa | $668 | -$324 | -32.7% |
| Kansas | $942 | -$50 | -5.0% |
| Kentucky | $1,354 | $362 | 36.5% |
| Louisiana | $1,468 | $476 | 48.0% |
| Maine | $614 | -$378 | -38.1% |
| Maryland | $820 | -$172 | -17.3% |
| Massachusetts | $792 | -$200 | -20.2% |
| Michigan | $1,722 | $730 | 73.6% |
| Minnesota | $830 | -$162 | -16.3% |
| Mississippi | $1,188 | $196 | 19.8% |
| Missouri | $880 | -$112 | -11.3% |
| Montana | $1,064 | $72 | 7.3% |
| Nebraska | $782 | -$210 | -21.2% |
| Nevada | $1,190 | $198 | 20.0% |
| New Hampshire | $716 | -$276 | -27.8% |
| New Jersey | $1,110 | $118 | 11.9% |
| New Mexico | $878 | -$114 | -11.5% |
| New York | $1,044 | $52 | 5.2% |
| North Carolina | $572 | -$420 | -42.3% |
| North Dakota | $816 | -$176 | -17.7% |
| Ohio | $684 | -$308 | -31.0% |
| Oklahoma | $1,016 | $24 | 2.4% |
| Oregon | $910 | -$82 | -8.3% |
| Pennsylvania | $946 | -$46 | -4.6% |
| Rhode Island | $1,324 | $332 | 33.5% |
| South Carolina | $900 | -$92 | -9.3% |
| South Dakota | $838 | -$154 | -15.5% |
| Tennessee | $868 | -$124 | -12.5% |
| Texas | $1,196 | $204 | 20.6% |
| Utah | $734 | -$258 | -26.0% |
| Vermont | $678 | -$314 | -31.7% |
| Virginia | $594 | -$398 | -40.1% |
| Washington | $764 | -$228 | -23.0% |
| West Virginia | $910 | -$82 | -8.3% |
| Wisconsin | $686 | -$306 | -30.8% |
| Wyoming | $882 | -$110 | -11.1% |
With so much variability in rates, the best way to find out your exact price is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota Prius | $284 | $494 | $354 | $1,268 |
| 2018 Toyota Prius | $260 | $458 | $376 | $1,230 |
| 2017 Toyota Prius | $250 | $424 | $384 | $1,194 |
| 2016 Toyota Prius | $240 | $400 | $388 | $1,164 |
| 2015 Toyota Prius | $230 | $358 | $390 | $1,114 |
| 2014 Toyota Prius | $214 | $330 | $390 | $1,070 |
| 2013 Toyota Prius | $206 | $310 | $394 | $1,046 |
| 2012 Toyota Prius | $202 | $288 | $402 | $1,028 |
| 2011 Toyota Prius | $186 | $268 | $402 | $992 |
| 2010 Toyota Prius | $182 | $244 | $406 | $968 |
| 2009 Toyota Prius | $170 | $222 | $402 | $930 |
| 2008 Toyota Prius | $160 | $202 | $402 | $900 |
| 2007 Toyota Prius | $154 | $182 | $398 | $870 |
| 2006 Toyota Prius | $152 | $178 | $390 | $856 |
| 2005 Toyota Prius | $150 | $168 | $384 | $838 |
| 2004 Toyota Prius | $138 | $160 | $380 | $814 |
| 2003 Toyota Prius | $132 | $152 | $376 | $796 |
Rates are averaged for all Toyota Prius 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 the Cheapest Toyota Prius Insurance
Saving money on car insurance requires having a decent driving record, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a recap of the primary concepts that were covered in the above illustrations.
- You may be able to save up to $110 per year simply by shopping early and online
- Higher risk drivers that have major violations or accidents pay on average $1,140 more every year than a driver with a clean driving record
- Increasing deductibles could save as much as $300 each year
- 16 to 18-year-old drivers pay higher rates, with premiums as much as $322 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,866 |
| 20 | $2,266 |
| 30 | $1,020 |
| 40 | $992 |
| 50 | $910 |
| 60 | $892 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,190 |
| $250 | $1,100 |
| $500 | $992 |
| $1,000 | $888 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $992 |
| 50/100 | $1,072 |
| 100/300 | $1,173 |
| 250/500 | $1,434 |
| 100 CSL | $1,113 |
| 300 CSL | $1,334 |
| 500 CSL | $1,495 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,476 |
| 20 | $3,608 |
| 30 | $2,166 |
| 40 | $2,136 |
| 50 | $2,038 |
| 60 | $2,020 |
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 | $51 |
| Multi-vehicle | $53 |
| Homeowner | $17 |
| 5-yr Accident Free | $65 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $39 |
| Advance Quote | $45 |
| Online Quote | $68 |
| Total Discounts | $401 |
Discounts are estimated and may not be available from every company or in every state.
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