Toyota Prius Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated insurance rates for a Toyota Prius are $968 a year for full coverage insurance. Comprehensive insurance costs on average $182 a year, collision insurance costs $244, and liability coverage is estimated at $406. A policy with only liability insurance costs approximately $450 a year, and a high-risk policy costs $2,076 or more. Teens pay the most at up to $3,780 a year.
Average premium for full coverage: $968
Premium estimates by type of coverage:
Includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Prius trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Toyota Prius range from the low end price of $450 for basic liability insurance to a high of $2,076 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city has a large influence on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences illustrate why it is important to get quotes based on a specific location, rather than using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below illustrates average Toyota Prius insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $581
- Choosing higher $1,000 deductibles can save around $870 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $968
- Selecting low $100 deductibles for comp and collision coverage will cost an additional $184 each year
- Drivers with serious driving violations could pay upwards of $2,076
- An auto insurance policy that insures a teenage driver may cost $3,780 each year
Car insurance prices for a Toyota Prius also have a wide range based on the trim level of your Prius, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 127% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $3,700 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,310 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $872 | -$96 | -9.9% |
Alaska | $742 | -$226 | -23.3% |
Arizona | $802 | -$166 | -17.1% |
Arkansas | $968 | -$0 | 0.0% |
California | $1,102 | $134 | 13.8% |
Colorado | $922 | -$46 | -4.8% |
Connecticut | $990 | $22 | 2.3% |
Delaware | $1,094 | $126 | 13.0% |
Florida | $1,208 | $240 | 24.8% |
Georgia | $892 | -$76 | -7.9% |
Hawaii | $694 | -$274 | -28.3% |
Idaho | $654 | -$314 | -32.4% |
Illinois | $720 | -$248 | -25.6% |
Indiana | $730 | -$238 | -24.6% |
Iowa | $650 | -$318 | -32.9% |
Kansas | $916 | -$52 | -5.4% |
Kentucky | $1,318 | $350 | 36.2% |
Louisiana | $1,430 | $462 | 47.7% |
Maine | $596 | -$372 | -38.4% |
Maryland | $796 | -$172 | -17.8% |
Massachusetts | $770 | -$198 | -20.5% |
Michigan | $1,676 | $708 | 73.1% |
Minnesota | $810 | -$158 | -16.3% |
Mississippi | $1,158 | $190 | 19.6% |
Missouri | $858 | -$110 | -11.4% |
Montana | $1,038 | $70 | 7.2% |
Nebraska | $762 | -$206 | -21.3% |
Nevada | $1,158 | $190 | 19.6% |
New Hampshire | $698 | -$270 | -27.9% |
New Jersey | $1,082 | $114 | 11.8% |
New Mexico | $856 | -$112 | -11.6% |
New York | $1,018 | $50 | 5.2% |
North Carolina | $556 | -$412 | -42.6% |
North Dakota | $792 | -$176 | -18.2% |
Ohio | $666 | -$302 | -31.2% |
Oklahoma | $990 | $22 | 2.3% |
Oregon | $884 | -$84 | -8.7% |
Pennsylvania | $920 | -$48 | -5.0% |
Rhode Island | $1,288 | $320 | 33.1% |
South Carolina | $876 | -$92 | -9.5% |
South Dakota | $816 | -$152 | -15.7% |
Tennessee | $846 | -$122 | -12.6% |
Texas | $1,164 | $196 | 20.2% |
Utah | $714 | -$254 | -26.2% |
Vermont | $660 | -$308 | -31.8% |
Virginia | $580 | -$388 | -40.1% |
Washington | $746 | -$222 | -22.9% |
West Virginia | $884 | -$84 | -8.7% |
Wisconsin | $666 | -$302 | -31.2% |
Wyoming | $860 | -$108 | -11.2% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $290 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $366 extra every 12 months. View Rates by Deductible or Liability Limit
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Toyota Prius | $274 | $474 | $364 | $1,248 |
2018 Toyota Prius | $250 | $424 | $384 | $1,194 |
2017 Toyota Prius | $240 | $400 | $388 | $1,164 |
2016 Toyota Prius | $230 | $358 | $390 | $1,114 |
2015 Toyota Prius | $214 | $330 | $390 | $1,070 |
2014 Toyota Prius | $206 | $310 | $394 | $1,046 |
2013 Toyota Prius | $202 | $288 | $402 | $1,028 |
2012 Toyota Prius | $186 | $268 | $402 | $992 |
2011 Toyota Prius | $182 | $244 | $406 | $968 |
2010 Toyota Prius | $170 | $222 | $402 | $930 |
2009 Toyota Prius | $160 | $202 | $402 | $900 |
2008 Toyota Prius | $154 | $182 | $398 | $870 |
2007 Toyota Prius | $152 | $178 | $390 | $856 |
2006 Toyota Prius | $150 | $168 | $384 | $838 |
2005 Toyota Prius | $138 | $160 | $380 | $814 |
2004 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 the Cheapest Toyota Prius Insurance
Finding better rates on auto insurance takes having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates at least every other year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The next list is a recap of the car insurance concepts covered above.
- Drivers that have major violations or accidents may pay on average $1,110 more each year to buy Toyota Prius insurance
- It is possible to save as much as $110 per year just by quoting early and online
- Increasing policy deductibles can save approximately $275 each year
- Consumers who require increased levels of liability coverage will pay approximately $450 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $3,780 |
20 | $2,200 |
30 | $990 |
40 | $968 |
50 | $886 |
60 | $868 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,152 |
$250 | $1,068 |
$500 | $968 |
$1,000 | $870 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $968 |
50/100 | $1,049 |
100/300 | $1,151 |
250/500 | $1,415 |
100 CSL | $1,090 |
300 CSL | $1,313 |
500 CSL | $1,476 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,346 |
20 | $3,502 |
30 | $2,102 |
40 | $2,076 |
50 | $1,980 |
60 | $1,960 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $50 |
Multi-vehicle | $51 |
Homeowner | $16 |
5-yr Accident Free | $62 |
5-yr Claim Free | $61 |
Paid in Full/EFT | $37 |
Advance Quote | $43 |
Online Quote | $67 |
Total Discounts | $387 |
Discounts are estimated and may not be available from every company or in every state.
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