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 $968 a year for full coverage. Comprehensive insurance costs on average $182 each year, collision insurance costs $244, and liability coverage costs around $406. Liability-only coverage costs as low as $450 a year, and high-risk coverage costs $2,076 or more. 16-year-old drivers pay the highest rates at up to $3,780 a year.
Average premium for full coverage: $968
Price estimates by individual coverage:
Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Prius models.
Price Range from Low to High
For a driver in their 40's, Toyota Prius insurance prices range from the low end price of $450 for just the minimum liability insurance to a high rate of $2,076 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.
The ranges above show why all drivers should compare prices based on a specific location, rather than using rate averages.
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.
Additional Rate Analysis
The chart below shows average Toyota Prius insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $581
- Using higher $1,000 deductibles will save around $98 a year
- The estimated price for the average middle-age driver with $500 deductibles is $968
- Buying low deductibles for physical damage coverage will cost an additional $184 each year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,076
- The price that insures a teenage driver may cost $3,780 or more
Auto insurance prices for a Toyota Prius are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,100 to $1,600 in extra premium each year, depending on your age. Insurance for high-risk drivers can be around 42% to 127% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $900 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $3,700 a year. View Rates by Age
The state you live in has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see prices as low as $640 a year in states like Idaho, Maine, and Iowa, or at least $1,380 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $872 | -$96 | -9.9% |
Alaska | $742 | -$226 | -23.3% |
Arizona | $802 | -$166 | -17.1% |
Arkansas | $968 | -$0 | 0.0% |
California | $1,102 | $134 | 13.8% |
Colorado | $922 | -$46 | -4.8% |
Connecticut | $990 | $22 | 2.3% |
Delaware | $1,094 | $126 | 13.0% |
Florida | $1,208 | $240 | 24.8% |
Georgia | $892 | -$76 | -7.9% |
Hawaii | $694 | -$274 | -28.3% |
Idaho | $654 | -$314 | -32.4% |
Illinois | $720 | -$248 | -25.6% |
Indiana | $730 | -$238 | -24.6% |
Iowa | $650 | -$318 | -32.9% |
Kansas | $916 | -$52 | -5.4% |
Kentucky | $1,318 | $350 | 36.2% |
Louisiana | $1,430 | $462 | 47.7% |
Maine | $596 | -$372 | -38.4% |
Maryland | $796 | -$172 | -17.8% |
Massachusetts | $770 | -$198 | -20.5% |
Michigan | $1,676 | $708 | 73.1% |
Minnesota | $810 | -$158 | -16.3% |
Mississippi | $1,158 | $190 | 19.6% |
Missouri | $858 | -$110 | -11.4% |
Montana | $1,038 | $70 | 7.2% |
Nebraska | $762 | -$206 | -21.3% |
Nevada | $1,158 | $190 | 19.6% |
New Hampshire | $698 | -$270 | -27.9% |
New Jersey | $1,082 | $114 | 11.8% |
New Mexico | $856 | -$112 | -11.6% |
New York | $1,018 | $50 | 5.2% |
North Carolina | $556 | -$412 | -42.6% |
North Dakota | $792 | -$176 | -18.2% |
Ohio | $666 | -$302 | -31.2% |
Oklahoma | $990 | $22 | 2.3% |
Oregon | $884 | -$84 | -8.7% |
Pennsylvania | $920 | -$48 | -5.0% |
Rhode Island | $1,288 | $320 | 33.1% |
South Carolina | $876 | -$92 | -9.5% |
South Dakota | $816 | -$152 | -15.7% |
Tennessee | $846 | -$122 | -12.6% |
Texas | $1,164 | $196 | 20.2% |
Utah | $714 | -$254 | -26.2% |
Vermont | $660 | -$308 | -31.8% |
Virginia | $580 | -$388 | -40.1% |
Washington | $746 | -$222 | -22.9% |
West Virginia | $884 | -$84 | -8.7% |
Wisconsin | $666 | -$302 | -31.2% |
Wyoming | $860 | -$108 | -11.2% |
Opting for high physical damage deductibles could cut prices by as much as $290 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 extra every year. View Rates by Deductible or Liability Limit
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Toyota Prius | $274 | $474 | $364 | $1,248 |
2018 Toyota Prius | $250 | $424 | $384 | $1,194 |
2017 Toyota Prius | $240 | $400 | $388 | $1,164 |
2016 Toyota Prius | $230 | $358 | $390 | $1,114 |
2015 Toyota Prius | $214 | $330 | $390 | $1,070 |
2014 Toyota Prius | $206 | $310 | $394 | $1,046 |
2013 Toyota Prius | $202 | $288 | $402 | $1,028 |
2012 Toyota Prius | $186 | $268 | $402 | $992 |
2011 Toyota Prius | $182 | $244 | $406 | $968 |
2010 Toyota Prius | $170 | $222 | $402 | $930 |
2009 Toyota Prius | $160 | $202 | $402 | $900 |
2008 Toyota Prius | $154 | $182 | $398 | $870 |
2007 Toyota Prius | $152 | $178 | $390 | $856 |
2006 Toyota Prius | $150 | $168 | $384 | $838 |
2005 Toyota Prius | $138 | $160 | $380 | $814 |
2004 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 Right Toyota Prius Insurance
Getting lower rates on auto insurance requires being a low-risk driver, maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every other policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.
The items below are a quick rundown of the ideas that were covered in the charts and tables above.
- Teen drivers are charged the highest prices, with premiums as much as $315 a month if the policy includes full coverage
- Drivers with reckless driving or DUI convictions may pay on average $1,110 more each year to insure their Prius
- Increasing physical damage deductibles can save approximately $275 each year
- Drivers can save as much as $110 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $3,780 |
20 | $2,200 |
30 | $990 |
40 | $968 |
50 | $886 |
60 | $868 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,152 |
$250 | $1,068 |
$500 | $968 |
$1,000 | $870 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $968 |
50/100 | $1,049 |
100/300 | $1,151 |
250/500 | $1,415 |
100 CSL | $1,090 |
300 CSL | $1,313 |
500 CSL | $1,476 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,346 |
20 | $3,502 |
30 | $2,102 |
40 | $2,076 |
50 | $1,980 |
60 | $1,960 |
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 | $50 |
Multi-vehicle | $51 |
Homeowner | $16 |
5-yr Accident Free | $62 |
5-yr Claim Free | $61 |
Paid in Full/EFT | $37 |
Advance Quote | $43 |
Online Quote | $67 |
Total Discounts | $387 |
Discounts are estimated and may not be available from every company or in every state.
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