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 $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:

Comprehensive $182
Collision $244
Liability $406

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.

Liability Only $450
Full Coverage $968
High Risk $2,076

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.

Rural Areas $726
Small Cities $1,016
Large Cities $1,307

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

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing Toyota Prius insurance prices range from $581 to $3,780 for full coverage

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.

Toyota Prius Insurance Rates by State
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%

View Chart as Image

Toyota Prius insurance rates by U.S. city

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

Toyota Prius Insurance Rates by Model Year
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

Rates by Driver Age

Toyota Prius Insurance 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

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,152
$250 $1,068
$500 $968
$1,000 $870

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
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

Toyota Prius Insurance 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.

SR-22 Surcharge $130

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
Rate after discounts $581

Discounts are estimated and may not be available from every company or in every state.

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