Toyota Prius Insurance Rates

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UPDATED: Mar 30, 2024

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Toyota Prius c insurance

Estimated insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive insurance costs on average $284 a year, collision costs $494, and liability costs around $354. A policy with only liability insurance costs as low as $406 a year, with a high-risk policy costing $2,738 or more. Teen drivers pay the most at $4,670 a year or more.

Average premium for full coverage: $1,268

Premium estimates by type of coverage:

Comprehensive $284
Collision $494
Liability $354

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Prius trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Toyota Prius go from as low as $406 for just the minimum liability insurance to a high of $2,738 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the difference location can make on car insurance rates.

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

These rate differences show why it is important to compare prices based on a specific location and risk profile, instead of using price averages.

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.

Additional Rate Analysis

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

  • The lowest rate with discounts is $727
  • Using higher $1,000 deductibles will save around $1,092 a year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,268
  • Choosing low $100 deductibles for physical damage coverage will cost an extra $344 every year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,738 or more
  • An auto insurance policy for full coverage for a teen driver may cost $4,670 or more

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

Car insurance prices for a Toyota Prius also have a wide range based on your driving characteristics, the trim level of your Prius, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see prices as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,810 on average in Michigan, Louisiana, 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

Choosing high deductibles could cut prices by as much as $520 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 45% to 132% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.

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 Cheaper Toyota Prius Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The points below are a condensed summary of the coverage data touched on in this article.

  • Drivers can save as much as $150 per year simply by quoting early and online
  • Increasing policy deductibles can save around $525 each year
  • Drivers under the age of 20 are expensive to insure, as much as $389 per month if full coverage is included
  • Higher risk drivers with multiple at-fault accidents will pay on average $1,470 more each year to insure a Toyota Prius

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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