Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive costs on average $284 each year, collision insurance costs $494, and liability costs $354. Liability-only coverage costs as little as $406 a year, and high-risk coverage costs around $2,738. Teenage drivers pay the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Prius models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why all drivers should compare rates based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below shows average Toyota Prius insurance rates for different risk profiles and scenarios.

• The best discount rate is $727
• Drivers who choose higher $1,000 deductibles will pay around $176 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,268
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,612
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,738
• The price for full coverage for a teen driver may cost $4,670 a year

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Auto insurance prices for a Toyota Prius are also quite variable based on your driving record, the trim level of your Prius, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

The state you live in makes a big difference in Toyota Prius insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,810 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles could save up to $520 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Best Toyota Prius Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every year by requesting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The list below is a brief recap of the coverage data covered above.

• Drivers can save as much as $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $525 each year
• Teenagers are charged the highest prices, with premiums as much as $389 a month if they have full coverage
• Higher risk drivers who tend to receive serious violations will pay on average $1,470 more each year for car insurance