Toyota Prius Insurance Rates

The average auto insurance rates for a Toyota Prius are $1,268 annually including full coverage. Comprehensive costs an estimated $284 a year, collision insurance costs $494, and liability costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs around $2,738. Teens 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:

Price estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $727
• Using higher $1,000 deductibles will save approximately $1,092 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,268
• Selecting low $100 deductibles for physical damage coverage will cost $1,612
• Drivers with serious driving violations could pay up to $2,738
• Policy cost with full coverage for a teen driver can cost as much as $4,670 or more

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $520 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,810 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy Cheaper Toyota Prius Insurance

Finding cheaper rates on car insurance requires avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a condensed summary of the material that was raised in the charts and tables above.

• Policyholders who want increased liability limits will pay approximately $390 per year to increase from a 30/60 limit to higher 250/500 limits
• Drivers under the age of 20 are expensive to insure, with premiums being up to $389 each month if they have full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,470 more annually to insure a Toyota Prius
• Increasing comprehensive and collision deductibles could save up to $525 each year