Toyota Prius Insurance Rates

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

Average premium for full coverage: $1,268

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different Prius trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how rural and urban location affects car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than using average rates.

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

Detailed Rate Analysis

The chart below shows 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 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,268
• Using more expensive low deductibles bumps up the cost to $1,612
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,738
• An auto insurance policy that insures a teenage driver with full coverage may cost $4,670

View Chart as Image

Car insurance prices for a Toyota Prius also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 45% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 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 $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota Prius insurance rates. A middle-age driver might find prices as low as $840 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,810 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $520 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Affordable Toyota Prius Insurance

Finding better rates on auto insurance consists of being safe and accident-free, having a positive credit history, not filing small claims, and possibly raising deductibles. Compare prices once a year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

Below you'll find a brief review of the data that was raised in the charts and tables above.

• Drivers can save as much as $150 per year just by shopping early and online
• Consumers who require more liability protection will pay an extra $390 each year to raise from 30/60 bodily injury limits to the 250/500 level
• Youthful drivers are expensive to insure, as much as $389 per month if full coverage is purchased
• Drivers with DUI or reckless driving convictions may pay on average $1,470 more each year than a low-risk driver