Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,268 every 12 months with full coverage. Comprehensive insurance costs approximately $284 a year, collision insurance costs $494, and liability is $354. Liability-only insurance costs around $406 a year, and high-risk driver insurance costs $2,738 or more. Teen drivers cost the most to insure at up to $4,670 a year.

Average premium for full coverage: $1,268

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

The examples above demonstrate why it is important to compare rates quotes using their specific location and their own driving history, instead of making a decision based on price averages.

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 and risk scenarios.

• The lowest rate with discounts is $727
• Raising to $1,000 deductibles will save $1,092 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,268
• Choosing low $100 deductibles costs an extra $344 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,738
• Policy cost to insure a 16-year-old driver can cost $4,670

View Chart as Image

Auto insurance rates for a Toyota Prius also range considerably based on liability limits and deductibles, your driving record, and the model of your Prius.

Choosing high deductibles can reduce rates by up to $520 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 132% more than average. View High Risk Driver Rates

Your home state also has a big influence on Toyota Prius insurance prices. A middle-age driver might find rates as low as $910 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,710 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for Low Cost Toyota Prius Insurance

Finding cheaper rates on insurance for a Toyota Prius consists of being safe and accident-free, having a good credit score, not filing small claims, and possibly higher deductibles. Spend time shopping around every other policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a review of the ideas that were touched on above.

• Youthful drivers have the highest car insurance rates, as much as $389 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,470 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• You may be able to save around $150 per year just by quoting early and online