Toyota Prius Insurance Rates

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

Average premium for full coverage: $1,268

Premium estimates by type of coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Prius models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects car insurance rates.

These rate differences highlight why all drivers should compare rates quotes based on a specific location, instead of using averaged prices.

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

Rate Comparisons

The chart below breaks down average Toyota Prius insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $727
• Raising to $1,000 deductibles will save around $176 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,268
• Selecting low deductibles bumps up the cost to $1,612
• At-risk drivers with serious driving violations could pay upwards of $2,738
• An auto insurance policy that insures a teen driver may cost $4,670

View Chart as Image

Car insurance prices for a Toyota Prius also have a wide range based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $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 prices. A middle-age driver might find prices as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,810 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $520 every year, whereas increasing liability limits will cost you more. Changing 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 Low Cost Toyota Prius Insurance

Finding better rates on car insurance consists of being a low-risk driver, having a positive credit history, refrain from filing small claims, and possibly raising deductibles. Compare rates every year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a review of the coverage data touched on in the above illustrations.

• You may be able to save as much as $150 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $525 each year
• Teen drivers are expensive to insure, with the cost nearing $389 per month if full coverage is purchased
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,470 more each year to insure their Prius