Toyota Prius Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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The average insurance prices for a Toyota Prius are $1,268 every 12 months for full coverage insurance. Comprehensive insurance costs on average $284 a year, collision costs $494, and liability costs $354. A liability-only policy costs as little as $406 a year, with high-risk insurance costing $2,738 or more. Teen drivers cost the most to insure at $4,670 a year or more.
Average premium for full coverage: $1,268
Policy rates by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Prius trim levels.
Price Range Variability
Using a middle-aged driver as an example, Toyota Prius insurance rates go from the cheapest price of $406 for the bare minimum liability coverage to a high of $2,738 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates how where you live affects car insurance rates.
The examples above illustrate why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates estimated Toyota Prius insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $727
- Drivers who choose higher $1,000 deductibles will pay around $1,092 each year
- The average price for a good driver age 40 with $500 deductibles is $1,268
- Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $344 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,738 or more
- Policy cost to insure a 16-year-old driver may cost $4,670 a year
Car insurance rates for a Toyota Prius also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Prius.
Choosing high deductibles could save up to $520 annually, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged 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 are probably paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost from 45% to 132% more than average. View High Risk Driver Rates
Your home state makes a big difference in Toyota Prius insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,710 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,144 | -$124 | -9.8% |
| Alaska | $974 | -$294 | -23.2% |
| Arizona | $1,052 | -$216 | -17.0% |
| Arkansas | $1,268 | -$0 | 0.0% |
| California | $1,446 | $178 | 14.0% |
| Colorado | $1,210 | -$58 | -4.6% |
| Connecticut | $1,302 | $34 | 2.7% |
| Delaware | $1,434 | $166 | 13.1% |
| Florida | $1,584 | $316 | 24.9% |
| Georgia | $1,170 | -$98 | -7.7% |
| Hawaii | $912 | -$356 | -28.1% |
| Idaho | $860 | -$408 | -32.2% |
| Illinois | $944 | -$324 | -25.6% |
| Indiana | $954 | -$314 | -24.8% |
| Iowa | $854 | -$414 | -32.6% |
| Kansas | $1,204 | -$64 | -5.0% |
| Kentucky | $1,728 | $460 | 36.3% |
| Louisiana | $1,876 | $608 | 47.9% |
| Maine | $784 | -$484 | -38.2% |
| Maryland | $1,046 | -$222 | -17.5% |
| Massachusetts | $1,012 | -$256 | -20.2% |
| Michigan | $2,200 | $932 | 73.5% |
| Minnesota | $1,062 | -$206 | -16.2% |
| Mississippi | $1,518 | $250 | 19.7% |
| Missouri | $1,126 | -$142 | -11.2% |
| Montana | $1,362 | $94 | 7.4% |
| Nebraska | $998 | -$270 | -21.3% |
| Nevada | $1,520 | $252 | 19.9% |
| New Hampshire | $912 | -$356 | -28.1% |
| New Jersey | $1,418 | $150 | 11.8% |
| New Mexico | $1,122 | -$146 | -11.5% |
| New York | $1,334 | $66 | 5.2% |
| North Carolina | $730 | -$538 | -42.4% |
| North Dakota | $1,038 | -$230 | -18.1% |
| Ohio | $874 | -$394 | -31.1% |
| Oklahoma | $1,300 | $32 | 2.5% |
| Oregon | $1,162 | -$106 | -8.4% |
| Pennsylvania | $1,208 | -$60 | -4.7% |
| Rhode Island | $1,690 | $422 | 33.3% |
| South Carolina | $1,150 | -$118 | -9.3% |
| South Dakota | $1,070 | -$198 | -15.6% |
| Tennessee | $1,108 | -$160 | -12.6% |
| Texas | $1,528 | $260 | 20.5% |
| Utah | $938 | -$330 | -26.0% |
| Vermont | $866 | -$402 | -31.7% |
| Virginia | $758 | -$510 | -40.2% |
| Washington | $980 | -$288 | -22.7% |
| West Virginia | $1,162 | -$106 | -8.4% |
| Wisconsin | $874 | -$394 | -31.1% |
| Wyoming | $1,128 | -$140 | -11.0% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every company uses a different rate calculation, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius | $294 | $506 | $338 | $1,274 |
| 2023 Toyota Prius | $284 | $494 | $354 | $1,268 |
| 2022 Toyota Prius | $274 | $474 | $364 | $1,248 |
| 2021 Toyota Prius | $260 | $458 | $376 | $1,230 |
| 2020 Toyota Prius | $250 | $424 | $384 | $1,194 |
| 2019 Toyota Prius | $240 | $400 | $388 | $1,164 |
| 2018 Toyota Prius | $230 | $358 | $390 | $1,114 |
| 2017 Toyota Prius | $214 | $330 | $390 | $1,070 |
| 2016 Toyota Prius | $206 | $310 | $394 | $1,046 |
| 2015 Toyota Prius | $202 | $288 | $402 | $1,028 |
| 2014 Toyota Prius | $186 | $268 | $402 | $992 |
| 2013 Toyota Prius | $182 | $244 | $406 | $968 |
| 2012 Toyota Prius | $170 | $222 | $402 | $930 |
| 2011 Toyota Prius | $160 | $202 | $402 | $900 |
| 2010 Toyota Prius | $154 | $182 | $398 | $870 |
| 2009 Toyota Prius | $152 | $178 | $390 | $856 |
| 2008 Toyota Prius | $150 | $168 | $384 | $838 |
| 2007 Toyota Prius | $138 | $160 | $380 | $814 |
| 2006 Toyota Prius | $132 | $152 | $376 | $796 |
Rates are averaged for all Toyota Prius models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheaper Toyota Prius Insurance
Finding cheaper rates on insurance for a Toyota Prius not only requires having a decent driving record, but also maintaining a good credit score, being claim-free, and maximizing policy discounts. Take the time to comparison shop at least every other year by requesting rates from direct insurance companies, and also from several local insurance agents.
The following items are a condensed summary of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,470 more each year than a driver with a clean driving record
- It is possible to save as much as $150 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $525 each year
- Insureds who require additional liability coverage will pay about $390 annually to go from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,670 |
| 20 | $2,914 |
| 30 | $1,326 |
| 40 | $1,268 |
| 50 | $1,158 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,612 |
| $250 | $1,454 |
| $500 | $1,268 |
| $1,000 | $1,092 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,268 |
| 50/100 | $1,339 |
| 100/300 | $1,427 |
| 250/500 | $1,657 |
| 100 CSL | $1,374 |
| 300 CSL | $1,569 |
| 500 CSL | $1,711 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,674 |
| 20 | $4,634 |
| 30 | $2,804 |
| 40 | $2,738 |
| 50 | $2,608 |
| 60 | $2,584 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $66 |
| Homeowner | $18 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $59 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $541 |
Discounts are estimated and may not be available from every company or in every state.
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