Toyota Prius Insurance Rates
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UPDATED: Mar 30, 2024
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The average auto insurance rates for a Toyota Prius are $1,268 annually for full coverage insurance. Comprehensive insurance costs around $284 a year, collision costs $494, and liability coverage is estimated at $354. Buying just liability costs approximately $406 a year, with insurance for high-risk drivers costing $2,738 or more. 16-year-old drivers cost the most to insure at $4,670 a year or more.
Average premium for full coverage: $1,268
Policy rates for type of insurance:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Prius trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Toyota Prius insurance rates go from as cheap as $406 for just the minimum liability insurance to a high of $2,738 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than congested cities.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than using rate 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 Analysis
The chart below illustrates estimated Toyota Prius insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $727
- Choosing higher $1,000 deductibles can save about $1,092 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,268
- Buying low $100 deductibles for comp and collision coverage costs an additional $344 each year
- Drivers with multiple tickets or accidents could pay at least $2,738 or more
- Policy cost with full coverage for a teenage driver can be $4,670 each year
Insurance rates for a Toyota Prius also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $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 probably paying at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges around 45% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $520 a year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit
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 Vermont, Wisconsin, and North Carolina, or at least $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 your exact price is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, so the rates will be varied between companies.
| 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 Buy the Best Cheap Toyota Prius Insurance
Finding cheaper rates on auto insurance takes having a decent driving record, having a good credit history, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a quick review of the information raised in the charts and tables above.
- It is possible to save up to $150 per year simply by quoting early and online
- 16 to 18-year-old drivers pay higher rates, possibly costing $389 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles could save up to $525 each year
- Drivers with a DUI or reckless driving violation pay on average $1,470 more every year than a driver with a clean driving record
- Consumers who may need additional liability coverage will pay around $390 annually to raise limits from a 30/60 limit to higher 250/500 limits
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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