Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,268 every 12 months including full coverage. Comprehensive insurance costs approximately $284 a year, collision insurance costs $494, and liability insurance is estimated at $354. Buying just liability costs approximately $406 a year, and insurance for high-risk drivers costs $2,738 or more. 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:

Estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $727
• Choosing higher $1,000 deductibles can save $1,092 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,268
• Using low $100 deductibles for comp and collision coverage costs an extra $344 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,738
• Policy cost to insure a teen driver can cost $4,670 each year

View Chart as Image

Insurance rates for a Toyota Prius also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Prius.

Using high physical damage deductibles can save as much as $520 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark 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 are likely paying anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,810 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for Low Cost Toyota Prius Insurance

Finding cheaper rates on Toyota Prius insurance takes having a good driving record, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Make time to compare rates at every other renewal by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The next list is a review of the concepts that were touched on in this article.

• High-risk drivers who have several accidents or serious violations could be charged and average of $1,470 more per year to buy Toyota Prius insurance
• Drivers age 20 and younger are expensive to insure, with premiums being up to $389 each month if they have full coverage
• You may be able to save around $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• You may be able to save around $150 per year just by quoting early and online