Toyota Prius Insurance Rates

The average auto insurance rates for a Toyota Prius are $1,268 annually with full coverage. Comprehensive insurance costs around $284 a year, collision insurance costs $494, and liability costs around $354. A liability-only policy costs as low as $406 a year, and high-risk insurance costs $2,738 or more. Teenage drivers cost the most to insure at up to $4,670 a year.

Average premium for full coverage: $1,268

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have fewer collision claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

The examples above demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

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 rate for a good driver age 40 using $500 deductibles is $1,268
• Using low $100 deductibles for physical damage coverage costs an additional $344 every year
• Drivers who are prone to accidents and violations could pay at least $2,738
• Policy cost with full coverage for a teen driver can be $4,670 or more

View Chart as Image

Car insurance rates for a Toyota Prius also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra every 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

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 limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state 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

How to Buy Cheap Toyota Prius Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and consideration of higher deductibles. Spend time shopping around at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a brief summary of the data touched on above.

• Policyholders who may need higher liability limits will pay an extra $390 every year to increase from a 30/60 limit to higher 250/500 limits
• You may be able to save up to $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Teenagers are the costliest to insure, as much as $389 each month if comprehensive and collision insurance is included