Toyota Prius Insurance Rates

Average insurance prices for a Toyota Prius are $1,268 every 12 months including full coverage. Comprehensive costs an estimated $284, collision insurance costs $494, and liability is $354. A policy with just liability insurance costs around $406 a year, and coverage for high-risk drivers costs around $2,738. Teenage drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates how location helps determine insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down average Toyota Prius insurance rates for other coverage scenarios.

• The best discount rate is $727
• Raising to $1,000 deductibles will save approximately $176 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,268
• Using more expensive low deductibles increases the price to $1,612
• At-risk drivers who are prone to accidents and violations could pay up to $2,738
• The cost to insure a teen driver with full coverage can cost as much as $4,670

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Insurance rates for a Toyota Prius can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $520 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Toyota Prius insurance prices. A middle-age driver might find rates as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,810 on average in Louisiana, New York, and Michigan.

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How to Shop for Affordable Toyota Prius Insurance

Saving money on car insurance consists of being a good driver, having above-average credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following list is a brief review of the coverage data covered in the charts and tables above.

• You may be able to save approximately $150 per year just by shopping early and online
• Increasing deductibles could save as much as $525 each year
• Drivers age 16 to 20 are expensive to insure, as much as $389 per month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,470 more annually than a safer driver