Toyota Prius Insurance Rates

U.S. average auto insurance rates for a Toyota Prius are $1,274 annually with full coverage. Comprehensive costs around $294 each year, collision insurance costs $506, and liability costs around $338. Buying just liability costs as low as $394 a year, and insurance for high-risk drivers costs around $2,748. Teenage drivers pay the highest rates at up to $4,664 a year.

Average premium for full coverage: $1,274

Price estimates for individual coverage:

Includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Prius models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

The ranges above demonstrate why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

The chart below details average Toyota Prius insurance rates for additional coverage choices and driver risks.

• The best discount rate is $733
• Using higher $1,000 deductibles will save about $180 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $1,274
• Using low deductibles for physical damage coverage will cost $1,628
• Drivers who are prone to accidents and violations could pay at least $2,748
• The price with full coverage for a teen driver can be $4,664 or more

View Chart as Image

Insurance prices for a Toyota Prius are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,500 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $540 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see prices as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,720 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy the Cheapest Toyota Prius Insurance

Getting lower rates on car insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a recap of the material that was covered in the charts and tables above.

• Policyholders who may need an increased level of liability coverage will pay an extra $370 every year to increase from a low limit to higher 250/500 limits
• Drivers age 16 to 20 are charged the highest prices, costing up to $389 a month if they have full coverage
• Higher risk drivers that have major violations or accidents may pay on average $1,470 more every year than a safer driver
• Increasing physical damage deductibles could save up to $525 each year