Toyota Prius Insurance Rates

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UPDATED: Mar 30, 2024

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Toyota Prius c insurance

U.S. average insurance rates for a Toyota Prius are $1,268 a year with full coverage. Comprehensive insurance costs on average $284, collision costs $494, and liability coverage is estimated at $354. A policy with just liability insurance costs approximately $406 a year, with coverage for high-risk drivers costing $2,738 or more. Teenage drivers pay the highest rates at $4,670 a year or more.

Average premium for full coverage: $1,268

Price estimates by individual coverage:

Comprehensive $284
Collision $494
Liability $354

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Prius models.

Price Range from Low to High

For a driver in their 40's, Toyota Prius insurance prices go from the low end price of $406 for a discount liability-only rate to the much higher price of $2,738 for a high-risk driver policy.

Liability Only $406
Full Coverage $1,268
High Risk $2,738

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

Rural Areas $951
Small Cities $1,331
Large Cities $1,712

The ranges above demonstrate why everyone should get quotes based on a specific location, rather than using average rates.

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

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Rates by State, City, and Model

The chart below details estimated Toyota Prius insurance rates for different risk profiles and scenarios.

  • The best discount rate is $727
  • Choosing higher $1,000 deductibles can save around $176 annually
  • The estimated price for the average middle-age driver with $500 deductibles is $1,268
  • Using pricier low deductibles for comp and collision coverage will cost an additional $344 each year
  • Drivers who are prone to accidents and violations could pay upwards of $2,738 or more
  • The price that insures a teenage driver for full coverage may cost $4,670 each year

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing full coverage Toyota Prius insurance prices range from $727 to $4,670

Insurance prices for a Toyota Prius are also quite variable based on the model of your Prius, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. Toyota Prius insurance for high-risk drivers ranges around 45% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.

Toyota Prius Insurance Rates by State
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%

View Chart as Image

Toyota Prius insurance rates by U.S. city

Using high physical damage deductibles can save as much as $520 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so the prices may be quite different.

Toyota Prius Insurance Rates by Model Year
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 Find Low Cost Toyota Prius Insurance

Getting lower rates on auto insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare prices every time your policy renews by requesting rates from direct companies, and also from several local insurance agents.

The items below are a review of the information covered in the charts and tables above.

  • You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
  • Teen drivers pay the highest prices, costing up to $389 a month if full coverage is included
  • Increasing physical damage deductibles can save approximately $525 each year
  • Drivers who have several accidents or serious violations pay on average $1,470 more each year to insure their Prius
  • Consumers who require more liability coverage will pay an extra $390 every year to raise limits from a low limit to the 250/500 level

Rates by Driver Age

Toyota Prius Insurance 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

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,612
$250 $1,454
$500 $1,268
$1,000 $1,092

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
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

Toyota Prius Insurance 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.

SR-22 Surcharge $176

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
Rate after discounts $727

Discounts are estimated and may not be available from every company or in every state.

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