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...

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UPDATED: Jun 4, 2023

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Toyota Prius c insurance

U.S. average insurance rates for a Toyota Prius are $992 a year for full coverage insurance. Comprehensive insurance costs an estimated $186, collision costs $268, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $2,136 or more. Teens pay the highest rates at $3,866 a year or more.

Average premium for full coverage: $992

Price estimates broken down by individual coverage:

Comprehensive $186
Collision $268
Liability $402

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Prius trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Toyota Prius insurance prices go from as low as $446 for a discount liability-only rate to a much higher rate of $2,136 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects insurance prices.

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

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of making a decision based on 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.

Rates by State, City, and Model

The chart below illustrates estimated Toyota Prius insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $591
  • Raising to $1,000 deductibles will save approximately $104 each year
  • The average rate for the average middle-age driver who has $500 deductibles is $992
  • Selecting more expensive low deductibles will cost an extra $198 annually
  • Drivers with serious driving violations could pay up to $2,136 or more
  • The price for full coverage for a 16-year-old driver with full coverage can cost as much as $3,866

View Chart as Image

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

Auto insurance prices for a Toyota Prius are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $3,800 a year. View Rates by Age

The state you live in also has a big influence on Toyota Prius insurance prices. A middle-age driver might find prices as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,340 on average in Florida, New York, and Michigan.

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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $310 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,200 to $1,700 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 135% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from multiple companies. Every auto insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.

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 Find Low Cost Toyota Prius Insurance

Getting lower rates on insurance for a Toyota Prius consists of being a safe and courteous driver, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every other policy renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a review of the ideas that were touched on in the above illustrations.

  • Teenage drivers are the costliest to insure, as much as $322 a month if they have full coverage
  • Drivers considered higher risk who have several accidents or serious violations pay on average $1,140 more annually for auto insurance
  • Increasing physical damage deductibles can save around $300 each year
  • It is possible to save approximately $110 per year simply by shopping early and online

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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