Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,268 a year for full coverage insurance. Comprehensive insurance costs around $284 a year, collision insurance costs $494, and liability coverage costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs $2,738 or more. Teen drivers pay the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Price estimates for individual coverage:

Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Prius trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.

The ranges above illustrate why it is important to compare prices for a specific zip code, rather than using price averages.

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

Additional Rate Information

The chart below illustrates average Toyota Prius insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $727
• Using higher $1,000 deductibles will save about $1,092 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,268
• Choosing low $100 deductibles for physical damage coverage will cost an additional $344 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,738
• The price that insures a teenage driver can be $4,670 or more

View Chart as Image

Auto insurance prices for a Toyota Prius are also quite variable based on the trim level of your Prius, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 45% to 132% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

The state you live in has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see prices as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $520 a year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheaper Toyota Prius Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Shop around every year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

Below is a condensed summary of the coverage data raised in the charts and tables above.

• It is possible to save up to $150 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $525 each year
• Teenage drivers are expensive to insure, as much as $389 a month if the policy includes full coverage
• Drivers with multiple at-fault accidents could be forced to pay on average $1,470 more every year for auto insurance