Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,274 a year for full coverage insurance. Comprehensive insurance costs on average $294 a year, collision costs $506, and liability insurance costs $338. Liability-only coverage costs as little as $394 a year, with high-risk coverage costing $2,748 or more. Teenage drivers pay the highest rates at $4,664 a year or more.

Average premium for full coverage: $1,274

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Prius trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why it is important to compare rates based on a specific location and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Toyota Prius insurance rates for different risk profiles and scenarios.

• The best discount rate is $733
• Drivers who choose higher $1,000 deductibles will pay around $1,094 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,274
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $354 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $2,748 or more
• The price for full coverage for a teen driver may cost $4,664 a year

View Chart as Image

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

Older drivers with a good driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Toyota Prius insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,720 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $540 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 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 at a minimum $1,500 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

How to Find Affordable Toyota Prius Insurance

Getting lower rates on Toyota Prius insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates at every other renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a brief review of the concepts that were covered in the above illustrations.

• High-risk drivers with DUI or reckless driving convictions pay an average of $1,470 more each year than a low-risk driver
• Youthful drivers are charged the highest prices, as much as $389 a month if they have full coverage
• It is possible to save as much as $150 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $525 each year
• It is possible to save as much as $150 per year simply by quoting early and online