Toyota Prius Insurance Rates
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UPDATED: Jun 4, 2023
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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:
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.
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.
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
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.
| 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% |
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.
| 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
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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