Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,268 a year for full coverage insurance. Comprehensive costs an estimated $284 a year, collision insurance costs $494, and liability is $354. Buying just liability costs around $406 a year, and insurance for high-risk drivers costs around $2,738. Teenage drivers pay the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Price estimates broken down by individual coverage:

Includes $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Prius trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above illustrate why it is important to compare rates quotes for a targeted area, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $727
• Raising to $1,000 deductibles will save approximately $1,092 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,268
• Using low $100 deductibles bumps up the cost to $1,612
• At-risk drivers who are prone to accidents and violations could pay up to $2,738
• The price that insures a teen driver can cost as much as $4,670

View Chart as Image

Insurance prices for a Toyota Prius are also quite variable based on the trim level of your Prius, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

The state you live in also has a big influence on Toyota Prius insurance prices. A middle-age driver might find prices as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $520 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Toyota Prius Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and possibly raising deductibles. Compare prices at least every other year by requesting rates from direct insurance companies, and also from local insurance agencies.

The following is a recap of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers that have major violations or accidents may have to pay on average $1,470 more annually for Prius insurance
• It is possible to save approximately $150 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $525 each year
• Policyholders who want higher liability limits will pay an extra $390 annually to raise from a low limit to the 250/500 level