Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,268 a year for full coverage insurance. Comprehensive costs on average $284, collision insurance costs $494, and liability is $354. Liability-only insurance costs around $406 a year, and high-risk driver insurance costs around $2,738. Teenage 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:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all Prius models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference location can make on car insurance rates.

The examples above illustrate why everyone should compare rates quotes based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Analysis

The chart below illustrates average Toyota Prius insurance rates for different risk profiles and scenarios.

• The best discount rate is $727
• Raising to $1,000 deductibles will save around $176 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,268
• Using pricier low deductibles will increase the cost to $1,612
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,738
• Policy cost for full coverage for a teen driver for full coverage may cost $4,670

View Chart as Image

Auto insurance rates for a Toyota Prius also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

Your home state also has a big influence on Toyota Prius insurance prices. A middle-age driver might find rates as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $520 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Toyota Prius insurance for high-risk drivers is expensive and can cost as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Toyota Prius Insurance

Finding cheaper rates on car insurance consists of being safe and accident-free, having good credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates at least once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the primary concepts that were touched on in this article.

• It is possible to save as much as $150 per year just by quoting online well ahead of the renewal date
• Higher risk drivers with multiple at-fault accidents pay an average of $1,470 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $525 each year
• Youthful drivers are charged the highest rates, possibly costing $389 each month if they have full coverage