Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year with full coverage. Comprehensive costs around $284 a year, collision insurance costs $494, and liability costs around $354. A policy with just liability insurance costs as low as $406 a year, and coverage for high-risk drivers costs around $2,738. 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:

Includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples demonstrate why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $727
• Using higher $1,000 deductibles will save about $1,092 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,268
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,612
• High-risk insureds with serious driving violations could pay at least $2,738
• The cost for full coverage for a 16-year-old driver can be $4,670 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 a year 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 has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see rates as low as $910 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $520 annually, while buying higher liability limits will increase rates. Moving 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 may be forking out at least $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy can be from 45% to 132% more than the average policy. View High Risk Driver Rates

How to Find the Cheapest Toyota Prius Insurance

Saving money on insurance for a Toyota Prius requires avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by quoting rates from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The points below are a recap of the car insurance concepts covered above.

• Drivers considered higher risk that have major violations or accidents pay an average of $1,470 more every year to insure a Toyota Prius
• You may be able to save up to $150 per year just by quoting early and online
• Increasing deductibles can save around $525 each year
• Insureds who may need increased liability limits will pay approximately $390 every year to increase from a minimum limit to 250/500 limits