Toyota Prius Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 7, 2023
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Average insurance rates for a Toyota Prius are $1,274 a year for full coverage. Comprehensive costs approximately $294 each year, collision insurance costs $506, and liability costs around $338. Liability-only coverage costs as low as $394 a year, and high-risk coverage costs around $2,748. Teens receive the highest rates at up to $4,664 a year.
Average premium for full coverage: $1,274
Rate estimates by individual coverage type:
Includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Prius models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the low end price of $394 for basic liability insurance to a high rate of $2,748 for a policy for a high-risk driver.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural locations tend to have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance prices.
These examples show why all drivers should compare prices using their specific location, 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.
Rate Comparisons
The chart below shows average Toyota Prius insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $733
- Using higher $1,000 deductibles will save $180 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,274
- Selecting low deductibles for physical damage coverage bumps up the cost to $1,628
- High-risk insureds with serious driving violations could pay around $2,748
- The cost that insures a 16-year-old driver can cost $4,664 or more
Car insurance rates for a Toyota Prius can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,500 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age
Where you live has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,820 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,152 | -$122 | -9.6% |
| Alaska | $978 | -$296 | -23.2% |
| Arizona | $1,058 | -$216 | -17.0% |
| Arkansas | $1,274 | -$0 | 0.0% |
| California | $1,454 | $180 | 14.1% |
| Colorado | $1,216 | -$58 | -4.6% |
| Connecticut | $1,308 | $34 | 2.7% |
| Delaware | $1,442 | $168 | 13.2% |
| Florida | $1,594 | $320 | 25.1% |
| Georgia | $1,178 | -$96 | -7.5% |
| Hawaii | $918 | -$356 | -27.9% |
| Idaho | $866 | -$408 | -32.0% |
| Illinois | $950 | -$324 | -25.4% |
| Indiana | $962 | -$312 | -24.5% |
| Iowa | $858 | -$416 | -32.7% |
| Kansas | $1,212 | -$62 | -4.9% |
| Kentucky | $1,740 | $466 | 36.6% |
| Louisiana | $1,888 | $614 | 48.2% |
| Maine | $788 | -$486 | -38.1% |
| Maryland | $1,052 | -$222 | -17.4% |
| Massachusetts | $1,018 | -$256 | -20.1% |
| Michigan | $2,212 | $938 | 73.6% |
| Minnesota | $1,068 | -$206 | -16.2% |
| Mississippi | $1,528 | $254 | 19.9% |
| Missouri | $1,132 | -$142 | -11.1% |
| Montana | $1,368 | $94 | 7.4% |
| Nebraska | $1,004 | -$270 | -21.2% |
| Nevada | $1,528 | $254 | 19.9% |
| New Hampshire | $920 | -$354 | -27.8% |
| New Jersey | $1,424 | $150 | 11.8% |
| New Mexico | $1,128 | -$146 | -11.5% |
| New York | $1,342 | $68 | 5.3% |
| North Carolina | $736 | -$538 | -42.2% |
| North Dakota | $1,044 | -$230 | -18.1% |
| Ohio | $878 | -$396 | -31.1% |
| Oklahoma | $1,308 | $34 | 2.7% |
| Oregon | $1,168 | -$106 | -8.3% |
| Pennsylvania | $1,216 | -$58 | -4.6% |
| Rhode Island | $1,700 | $426 | 33.4% |
| South Carolina | $1,156 | -$118 | -9.3% |
| South Dakota | $1,076 | -$198 | -15.5% |
| Tennessee | $1,116 | -$158 | -12.4% |
| Texas | $1,536 | $262 | 20.6% |
| Utah | $944 | -$330 | -25.9% |
| Vermont | $872 | -$402 | -31.6% |
| Virginia | $764 | -$510 | -40.0% |
| Washington | $986 | -$288 | -22.6% |
| West Virginia | $1,168 | -$106 | -8.3% |
| Wisconsin | $880 | -$394 | -30.9% |
| Wyoming | $1,136 | -$138 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius | $306 | $512 | $332 | $1,286 |
| 2023 Toyota Prius | $294 | $506 | $338 | $1,274 |
| 2022 Toyota Prius | $284 | $494 | $354 | $1,268 |
| 2021 Toyota Prius | $274 | $474 | $364 | $1,248 |
| 2020 Toyota Prius | $260 | $458 | $376 | $1,230 |
| 2019 Toyota Prius | $250 | $424 | $384 | $1,194 |
| 2018 Toyota Prius | $240 | $400 | $388 | $1,164 |
| 2017 Toyota Prius | $230 | $358 | $390 | $1,114 |
| 2016 Toyota Prius | $214 | $330 | $390 | $1,070 |
| 2015 Toyota Prius | $206 | $310 | $394 | $1,046 |
| 2014 Toyota Prius | $202 | $288 | $402 | $1,028 |
| 2013 Toyota Prius | $186 | $268 | $402 | $992 |
| 2012 Toyota Prius | $182 | $244 | $406 | $968 |
| 2011 Toyota Prius | $170 | $222 | $402 | $930 |
| 2010 Toyota Prius | $160 | $202 | $402 | $900 |
| 2009 Toyota Prius | $154 | $182 | $398 | $870 |
| 2008 Toyota Prius | $152 | $178 | $390 | $856 |
| 2007 Toyota Prius | $150 | $168 | $384 | $838 |
| 2006 Toyota Prius | $138 | $160 | $380 | $814 |
| 2005 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 the Cheapest Toyota Prius Insurance
Saving money on insurance for a Toyota Prius requires being a good driver, having a positive credit history, eliminating unneeded coverage, and attention to physical damage deductibles. Compare rates every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a recap of the coverage data touched on in this article.
- Drivers can save around $150 per year just by quoting online in advance
- Increasing deductibles can save approximately $525 each year
- Drivers age 16 to 20 pay the highest auto insurance rates, costing as high as $389 per month if full coverage is purchased
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,470 more per year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,664 |
| 20 | $2,928 |
| 30 | $1,336 |
| 40 | $1,274 |
| 50 | $1,164 |
| 60 | $1,144 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,628 |
| $250 | $1,464 |
| $500 | $1,274 |
| $1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,274 |
| 50/100 | $1,342 |
| 100/300 | $1,426 |
| 250/500 | $1,646 |
| 100 CSL | $1,375 |
| 300 CSL | $1,561 |
| 500 CSL | $1,697 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,664 |
| 20 | $4,650 |
| 30 | $2,814 |
| 40 | $2,748 |
| 50 | $2,618 |
| 60 | $2,596 |
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 | $68 |
| Multi-vehicle | $65 |
| Homeowner | $18 |
| 5-yr Accident Free | $95 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $59 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $541 |
Discounts are estimated and may not be available from every company or in every state.
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