Toyota Prius Insurance Rates

Average insurance prices for a Toyota Prius are $1,268 every 12 months with full coverage. Comprehensive costs an estimated $284 each year, collision insurance costs $494, and liability coverage costs $354. A policy with just liability insurance costs as little as $406 a year, and coverage for high-risk drivers costs around $2,738. 16-year-old drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates broken down by individual coverage type:

Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Prius models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. More rural locations tend to have more infrequent collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples demonstrate why all drivers should compare rates for a targeted area and their own driving history, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $727
• Drivers who choose higher $1,000 deductibles will pay approximately $176 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,268
• Buying low deductibles for comprehensive and collision insurance increases the price to $1,612
• High-risk insureds with multiple tickets or accidents could pay up to $2,738
• The cost to insure a teenage driver can cost as much as $4,670 a year

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Insurance rates for a Toyota Prius can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Opting for high physical damage deductibles could save up to $520 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can cost around 45% to 132% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Toyota Prius insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or at least $1,710 on average in New York, Michigan, and Florida.

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How to Shop for the Right Toyota Prius Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates at every other renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick rundown of the concepts that were covered above.

• Drivers with reckless driving or DUI convictions may pay on average $1,470 more annually to insure their Prius
• Teen drivers are expensive to insure, with premiums as much as $389 per month if full coverage is included
• You may be able to save approximately $150 per year just by quoting online in advance
• Increasing deductibles could save as much as $525 each year
• You may be able to save approximately $150 per year just by quoting online in advance