Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,268 a year for full coverage insurance. Comprehensive insurance costs an estimated $284 a year, collision insurance costs $494, and liability coverage is estimated at $354. Liability-only coverage costs approximately $406 a year, and high-risk coverage costs $2,738 or more. Teen drivers cost the most to insure at up to $4,670 a year.

Average premium for full coverage: $1,268

Policy rates broken down by type of insurance:

Includes $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.

The examples above illustrate why it is important to get quotes for a targeted area, rather than using price averages.

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

Detailed Rate Analysis

The chart below illustrates average Toyota Prius insurance rates for other coverage scenarios.

• The lowest rate with discounts is $727
• Choosing higher $1,000 deductibles can save approximately $1,092 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,268
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $344 each year
• Drivers with multiple violations and an at-fault accident could pay up to $2,738
• Policy cost that insures a teenage driver can cost as much as $4,670 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges around 45% to 132% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

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 $830 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $520 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Toyota Prius Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having a good credit score, being claim-free, and possibly raising deductibles. Shop around once a year by requesting rates from direct insurance companies, and also from local insurance agencies.

Below is a recap of the data that was presented in the illustrations above.

• It is possible to save approximately $150 per year just by quoting early and online
• Consumers who want higher levels of liability will pay about $390 annually to raise limits from a 30/60 limit to the 250/500 level
• Teenage drivers are expensive to insure, possibly costing $389 each month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents may have to pay on average $1,470 more annually for auto insurance