Toyota Prius Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2023

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Toyota Prius c insurance

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:

Comprehensive $186
Collision $268
Liability $402

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.

Liability Only $446
Full Coverage $992
High Risk $2,136

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.

Rural Areas $744
Small Cities $1,042
Large Cities $1,339

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

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing full coverage Toyota Prius insurance rates range from $591 to $3,866

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.

Toyota Prius Insurance Rates by State
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%

View Chart as Image

Toyota Prius insurance rates by U.S. city

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.

Toyota Prius Insurance Rates by Model Year
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

Rates by Driver Age

Toyota Prius Insurance 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

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,190
$250 $1,100
$500 $992
$1,000 $888

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
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

Toyota Prius Insurance 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.

SR-22 Surcharge $134

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
Rate after discounts $591

Discounts are estimated and may not be available from every company or in every state.

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