Toyota Prius Insurance Rates

Average insurance prices for a Toyota Prius are $1,268 every 12 months for full coverage. Comprehensive insurance costs on average $284 a 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 $2,738 or more. Teenage drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all states and Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects car insurance rates.

These examples show why it is important to compare prices based on a specific location and their own driving history, instead of using average rates.

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

Rates by State, City, and Model

The chart below shows average Toyota Prius insurance rates for different risk profiles and scenarios.

• The best discount rate is $727
• Using higher $1,000 deductibles will save around $1,092 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,268
• Using low $100 deductibles for physical damage coverage costs an extra $344 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,738
• The cost to insure a teen driver may cost $4,670 or more

View Chart as Image

Car insurance rates for a Toyota Prius can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Prius.

Using high physical damage deductibles could cut rates by as much as $520 every year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see rates 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

How to Shop for the Best Toyota Prius Insurance

Saving money on car insurance requires avoiding accidents and claims, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a brief recap of the coverage data raised in the charts and tables above.

• Drivers can save as much as $150 per year just by quoting early and online
• Increasing deductibles could save as much as $525 each year
• Drivers under the age of 20 are expensive to insure, costing as high as $389 per month if the policy includes full coverage
• Higher risk drivers who tend to receive serious violations pay an average of $1,470 more each year to insure a Toyota Prius