Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,274 every 12 months with full coverage. Comprehensive insurance costs around $294 each year, collision insurance costs $506, and liability coverage costs around $338. Liability-only insurance costs as low as $394 a year, and high-risk driver insurance costs $2,748 or more. Teens cost the most to insure at up to $4,664 a year.

Average premium for full coverage: $1,274

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Prius models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below details average Toyota Prius insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $733
• Using higher $1,000 deductibles will save about $180 annually
• The average price for a good driver age 40 using $500 deductibles is $1,274
• Selecting low deductibles for physical damage coverage costs an extra $354 each year
• Higher-risk drivers with serious driving violations could pay at least $2,748
• Policy cost to insure a teenage driver can be $4,664 or more

View Chart as Image

Auto insurance rates for a Toyota Prius also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,500 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 43% to 131% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,720 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Best Cheap Toyota Prius Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and possibly raising deductibles. Set aside time to shop around at every policy renewal by getting quotes from direct companies, and also from several local insurance agents.

The list below is a quick review of the data raised in the charts and tables above.

• Consumers who may need higher liability limits will pay approximately $370 every year to increase from a 30/60 limit to a 250/500 level
• You may be able to save up to $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Teenagers are expensive to insure, as much as $389 each month if comprehensive and collision insurance is included