Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year with full coverage. Comprehensive costs around $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 around $2,738. Teenage drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates for individual coverage type:

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.

These examples demonstrate why it is important to compare prices for a specific zip code, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $727
• Using higher $1,000 deductibles will save about $1,092 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,268
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,612
• Drivers who are prone to accidents and violations could pay at least $2,738
• The cost that insures a teen driver can be $4,670 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you may be forking out at least $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

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

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

View Chart as Image

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

How to Find Low Cost Toyota Prius Insurance

Saving money on car insurance requires not taking risks behind the wheel, having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Compare prices every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a review of the ideas that were illustrated above.

• Teens are the costliest to insure, with premiums as much as $389 per month if full coverage is purchased
• Higher risk drivers who have several accidents or serious violations may pay on average $1,470 more every year for Prius insurance
• Increasing deductibles can save approximately $525 each year
• You may be able to save up to $150 per year just by quoting early and online