Toyota Prius Insurance Rates

Estimated auto insurance rates for a Toyota Prius are $1,268 annually with full coverage. Comprehensive costs an estimated $284 a year, collision insurance costs $494, and liability is estimated at $354. Liability-only insurance costs approximately $406 a year, and high-risk driver insurance costs around $2,738. Teenage drivers pay the most at up to $4,670 a year.

Average premium for full coverage: $1,268

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Prius trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have fewer collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

These rate differences demonstrate why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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 other coverage scenarios.

• The best discount rate is $727
• Choosing higher $1,000 deductibles can save approximately $1,092 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,268
• Using low $100 deductibles for comp and collision coverage will cost $1,612
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,738
• An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $4,670 each year

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Insurance prices for a Toyota Prius also have a wide range based on the model of your Prius, your driving record, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy ranges from 45% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $520 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $318 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Toyota Prius insurance prices. A good driver about age 40 could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,710 on average in New York, Michigan, and Florida.

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How to Buy the Right Toyota Prius Insurance

Finding better rates on insurance for a Toyota Prius takes being a good driver, having good credit, being claim-free, and possibly raising deductibles. Spend time shopping around at least every other year by requesting rates from direct companies, and also from several local insurance agents.

The following list is a quick rundown of the car insurance concepts touched on above.

• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,470 more annually than a safer driver
• You may be able to save approximately $150 per year just by quoting early and online
• Increasing policy deductibles could save up to $525 each year
• Insureds who want an increased level of liability coverage will pay an extra $390 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits