Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,268 a year for full coverage insurance. Comprehensive costs on average $284, collision insurance costs $494, and liability insurance costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs around $2,738. 16-year-old drivers pay the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Prius trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities. The price range example below illustrates how location impacts car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $727
• Using higher $1,000 deductibles will save around $176 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,268
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,612
• Drivers with multiple tickets or accidents could pay upwards of $2,738
• The price that insures a teen driver with full coverage may cost $4,670 or more

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Auto insurance prices for a Toyota Prius are also quite variable based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance can be anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,600 a year. View Rates by Age

The state you live in has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see prices as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,710 on average in Michigan, New York, and Florida.

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Opting for high physical damage deductibles could cut prices by as much as $520 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheap Toyota Prius Insurance

Getting lower rates on Toyota Prius insurance requires being safe and accident-free, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Comparison shop at least every other year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the car insurance concepts touched on above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,470 more each year than a low-risk driver
• It is possible to save as much as $150 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $525 each year
• Drivers who require more liability protection will pay around $390 annually to increase from a low limit to the 250/500 level