Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,268 every 12 months for full coverage insurance. Comprehensive costs approximately $284 each 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. Teen 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:

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Prius models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location and their own driving history, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $727
• Using higher $1,000 deductibles will save $176 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,268
• Choosing low deductibles for physical damage coverage increases the price to $1,612
• Drivers with multiple violations and an at-fault accident could pay around $2,738
• Policy cost to insure a teen driver can cost $4,670 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $520 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared 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 probably paying anywhere from $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 132% more than average. View High Risk Driver Rates

Your home state has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see rates 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

How to Shop for More Affordable Toyota Prius Insurance

Finding cheaper rates on car insurance requires having a good driving record, having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The next list is a summary of the data that was illustrated above.

• It is possible to save around $150 per year just by quoting online in advance
• Policyholders who purchase increased levels of liability coverage will pay about $390 annually to increase from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are the costliest to insure, possibly costing $389 each month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,470 more per year to buy Toyota Prius insurance