Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,268 a year for full coverage insurance. Comprehensive costs approximately $284 a year, collision insurance costs $494, and liability insurance costs $354. Liability-only insurance costs as little as $406 a year, and high-risk driver insurance costs around $2,738. 16-year-old drivers cost the most to insure at up to $4,670 a year.

Average premium for full coverage: $1,268

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why it is important to compare rates using their specific location and risk profile, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below illustrates average Toyota Prius insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $727
• Drivers who choose higher $1,000 deductibles will pay $1,092 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,268
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,612
• High risk drivers with multiple tickets or accidents could pay around $2,738
• Policy cost for full coverage for a teen driver can cost $4,670 a year

View Chart as Image

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

Older drivers with a good driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state makes a big difference in Toyota Prius insurance rates. A 40-year-old driver could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $520 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

How to Find Affordable Toyota Prius Insurance

Finding cheaper rates on Toyota Prius insurance not only requires being a good driver, but also having good credit, being claim-free, and possibly higher deductibles. Make time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief review of the data touched on in this article.

• Drivers who purchase an increased level of liability coverage will pay around $390 annually to go from a 30/60 limit to 250/500 limits
• It is possible to save around $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers age 16 to 20 have the highest car insurance rates, possibly costing $389 each month if they have full coverage