Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,268 every 12 months with full coverage. Comprehensive costs on average $284, collision insurance costs $494, and liability coverage is $354. Liability-only insurance costs around $406 a year, and high-risk driver insurance costs around $2,738. Teenage 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:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all Prius models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities. The example below illustrates how location impacts car insurance rates.

The examples above demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, rather than using 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 different risk profiles and scenarios.

• The best discount rate is $727
• Raising to $1,000 deductibles will save around $176 annually
• The average price for a good driver age 40 with $500 deductibles is $1,268
• Using pricier low deductibles increases the price to $1,612
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,738
• Policy cost to insure a teenage driver for full coverage may cost $4,670

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

Using high physical damage deductibles can reduce rates by up to $520 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $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 a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Toyota Prius insurance for high-risk drivers is expensive and can cost around 45% to 132% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Toyota Prius insurance rates. A middle-age driver might find rates as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.

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How to Shop for Cheaper Toyota Prius Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around at least every other year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

Below is a condensed summary of the car insurance concepts touched on above.

• Drivers with multiple at-fault accidents may pay on average $1,470 more each year for auto insurance
• You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Consumers who require higher levels of liability will pay an extra $390 every year to raise from a 30/60 limit to a 250/500 level