Toyota Prius Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average auto insurance rates for a Toyota Prius are $968 annually with full coverage. Comprehensive costs on average $182 each year, collision insurance costs $244, and liability insurance costs around $406. A liability-only policy costs as low as $450 a year, and high-risk insurance costs around $2,076. 16-year-old drivers cost the most to insure at up to $3,780 a year.
Average premium for full coverage: $968
Policy rates by type of insurance:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Prius models.
Price Range Variability
For the average driver, Toyota Prius insurance rates range from as cheap as $450 for just the minimum liability insurance to a high rate of $2,076 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities. The graphic below illustrates how location impacts car insurance rates.
The examples above demonstrate why all drivers should compare prices based on a specific location and their own personal driving habits, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below details average Toyota Prius insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $581
- Using higher $1,000 deductibles will save around $98 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $968
- Buying low deductibles for physical damage coverage will cost $1,152
- Drivers with multiple tickets or accidents could pay upwards of $2,076
- Policy cost with full coverage for a teen driver may cost $3,780 or more
Car insurance rates for a Toyota Prius also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $3,700 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 at a minimum $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $290 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $366 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see rates as low as $700 a year in states like New Hampshire, Ohio, and Utah, or at least $1,310 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $872 | -$96 | -9.9% |
| Alaska | $742 | -$226 | -23.3% |
| Arizona | $802 | -$166 | -17.1% |
| Arkansas | $968 | -$0 | 0.0% |
| California | $1,102 | $134 | 13.8% |
| Colorado | $922 | -$46 | -4.8% |
| Connecticut | $990 | $22 | 2.3% |
| Delaware | $1,094 | $126 | 13.0% |
| Florida | $1,208 | $240 | 24.8% |
| Georgia | $892 | -$76 | -7.9% |
| Hawaii | $694 | -$274 | -28.3% |
| Idaho | $654 | -$314 | -32.4% |
| Illinois | $720 | -$248 | -25.6% |
| Indiana | $730 | -$238 | -24.6% |
| Iowa | $650 | -$318 | -32.9% |
| Kansas | $916 | -$52 | -5.4% |
| Kentucky | $1,318 | $350 | 36.2% |
| Louisiana | $1,430 | $462 | 47.7% |
| Maine | $596 | -$372 | -38.4% |
| Maryland | $796 | -$172 | -17.8% |
| Massachusetts | $770 | -$198 | -20.5% |
| Michigan | $1,676 | $708 | 73.1% |
| Minnesota | $810 | -$158 | -16.3% |
| Mississippi | $1,158 | $190 | 19.6% |
| Missouri | $858 | -$110 | -11.4% |
| Montana | $1,038 | $70 | 7.2% |
| Nebraska | $762 | -$206 | -21.3% |
| Nevada | $1,158 | $190 | 19.6% |
| New Hampshire | $698 | -$270 | -27.9% |
| New Jersey | $1,082 | $114 | 11.8% |
| New Mexico | $856 | -$112 | -11.6% |
| New York | $1,018 | $50 | 5.2% |
| North Carolina | $556 | -$412 | -42.6% |
| North Dakota | $792 | -$176 | -18.2% |
| Ohio | $666 | -$302 | -31.2% |
| Oklahoma | $990 | $22 | 2.3% |
| Oregon | $884 | -$84 | -8.7% |
| Pennsylvania | $920 | -$48 | -5.0% |
| Rhode Island | $1,288 | $320 | 33.1% |
| South Carolina | $876 | -$92 | -9.5% |
| South Dakota | $816 | -$152 | -15.7% |
| Tennessee | $846 | -$122 | -12.6% |
| Texas | $1,164 | $196 | 20.2% |
| Utah | $714 | -$254 | -26.2% |
| Vermont | $660 | -$308 | -31.8% |
| Virginia | $580 | -$388 | -40.1% |
| Washington | $746 | -$222 | -22.9% |
| West Virginia | $884 | -$84 | -8.7% |
| Wisconsin | $666 | -$302 | -31.2% |
| Wyoming | $860 | -$108 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota Prius | $274 | $474 | $364 | $1,248 |
| 2018 Toyota Prius | $250 | $424 | $384 | $1,194 |
| 2017 Toyota Prius | $240 | $400 | $388 | $1,164 |
| 2016 Toyota Prius | $230 | $358 | $390 | $1,114 |
| 2015 Toyota Prius | $214 | $330 | $390 | $1,070 |
| 2014 Toyota Prius | $206 | $310 | $394 | $1,046 |
| 2013 Toyota Prius | $202 | $288 | $402 | $1,028 |
| 2012 Toyota Prius | $186 | $268 | $402 | $992 |
| 2011 Toyota Prius | $182 | $244 | $406 | $968 |
| 2010 Toyota Prius | $170 | $222 | $402 | $930 |
| 2009 Toyota Prius | $160 | $202 | $402 | $900 |
| 2008 Toyota Prius | $154 | $182 | $398 | $870 |
| 2007 Toyota Prius | $152 | $178 | $390 | $856 |
| 2006 Toyota Prius | $150 | $168 | $384 | $838 |
| 2005 Toyota Prius | $138 | $160 | $380 | $814 |
| 2004 Toyota Prius | $132 | $152 | $376 | $796 |
Rates are averaged for all Toyota Prius models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Right Toyota Prius Insurance
Finding cheaper rates on Toyota Prius insurance requires being safe and accident-free, having a good credit score, not filing small claims, and possibly raising deductibles. Spend time shopping around at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below you'll find a quick rundown of the car insurance concepts touched on above.
- High-risk drivers with reckless driving or DUI convictions pay an average of $1,110 more each year than a low-risk driver
- You may be able to save as much as $110 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $275 each year
- Drivers who require more liability protection will pay around $450 every year to increase from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,780 |
| 20 | $2,200 |
| 30 | $990 |
| 40 | $968 |
| 50 | $886 |
| 60 | $868 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,152 |
| $250 | $1,068 |
| $500 | $968 |
| $1,000 | $870 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $968 |
| 50/100 | $1,049 |
| 100/300 | $1,151 |
| 250/500 | $1,415 |
| 100 CSL | $1,090 |
| 300 CSL | $1,313 |
| 500 CSL | $1,476 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,346 |
| 20 | $3,502 |
| 30 | $2,102 |
| 40 | $2,076 |
| 50 | $1,980 |
| 60 | $1,960 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $50 |
| Multi-vehicle | $51 |
| Homeowner | $16 |
| 5-yr Accident Free | $62 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $37 |
| Advance Quote | $43 |
| Online Quote | $67 |
| Total Discounts | $387 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
