Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive insurance costs around $284 each year, collision insurance costs $494, and liability is estimated at $354. Liability-only insurance costs approximately $406 a year, and high-risk driver insurance costs $2,738 or more. Teenage drivers pay the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Price estimates for individual coverage:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Prius models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

The ranges above show why all drivers should get quotes for a specific zip code, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $727
• Choosing higher $1,000 deductibles can save about $176 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,268
• Using low deductibles for comp and collision coverage will cost an additional $344 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,738
• The price that insures a teen driver can be $4,670 each year

View Chart as Image

Car insurance prices for a Toyota Prius are also quite variable based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Prius insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,810 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $520 every year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Toyota Prius Insurance

Getting lower rates on car insurance takes being safe and accident-free, having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Compare prices every other policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

Below you'll find a brief recap of the ideas that were covered in the charts and tables above.

• Youthful drivers are the costliest to insure, with premiums as much as $389 a month if full coverage is purchased
• Higher risk drivers who tend to receive serious violations pay on average $1,470 more every year than a low-risk driver
• Increasing physical damage deductibles can save approximately $525 each year
• Drivers can save up to $150 per year just by quoting online in advance