Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive insurance costs around $284 a year, collision insurance costs $494, and liability coverage is $354. A policy with just liability insurance costs around $406 a year, and coverage for high-risk drivers costs $2,738 or more. Teens receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance rates.

These examples show why it is important to compare rates quotes for a specific zip code and risk profile, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $727
• Raising to $1,000 deductibles will save about $1,092 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,268
• Selecting low $100 deductibles will cost an extra $344 each year
• Unlucky drivers with serious driving violations could pay at least $2,738
• The cost for full coverage for a teenage driver can be $4,670

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Insurance rates for a Toyota Prius can also vary considerably based on your driver profile, the trim level of your Prius, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

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

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Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 a year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 132% more than the average policy. View High Risk Driver Rates

How to Find Low Cost Toyota Prius Insurance

Saving money on auto insurance consists of being a safe and courteous driver, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Make time to compare rates every year by quoting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

Below is a review of the coverage data touched on in this article.

• Drivers can save up to $150 per year just by quoting early and online
• Increasing deductibles can save around $525 each year
• Teenage drivers are charged the highest rates, costing as high as $389 per month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations may be required to pay an average of $1,470 more every year for auto insurance