Toyota Prius Insurance Rates

The average auto insurance rates for a Toyota Prius are $1,274 annually with full coverage. Comprehensive costs an estimated $294 a year, collision insurance costs $506, and liability coverage is $338. Buying just liability costs around $394 a year, and insurance for high-risk drivers costs around $2,748. Teens cost the most to insure at up to $4,664 a year.

Average premium for full coverage: $1,274

Policy rates broken down by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than using averaged prices.

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

Additional Charts and Tables

The chart below details average Toyota Prius insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $733
• Raising to $1,000 deductibles will save approximately $1,094 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,274
• Selecting low $100 deductibles will cost $1,628
• Unlucky drivers with serious driving violations could pay up to $2,748
• Policy cost with full coverage for a teenage driver can cost as much as $4,664

View Chart as Image

Insurance rates for a Toyota Prius also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $540 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Toyota Prius insurance rates. A middle-age driver might find rates as low as $920 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,720 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy Low Cost Toyota Prius Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop every year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a review of the coverage data touched on in the above illustrations.

• You may be able to save approximately $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Teenagers are charged the highest rates, as much as $389 each month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations pay on average $1,470 more annually for car insurance