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 is $354. A liability-only policy costs around $406 a year, and high-risk insurance costs around $2,738. 16-year-old drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates for individual coverage type:

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical and 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

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples demonstrate why it is important to compare rates quotes for a specific zip code, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $727
• Raising to $1,000 deductibles will save about $1,092 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,268
• Buying low $100 deductibles bumps up the cost to $1,612
• At-risk drivers with multiple tickets or accidents could pay at least $2,738
• The cost that insures a teen driver can be $4,670

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Insurance rates for a Toyota Prius can also vary considerably based on the trim level of your Prius, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,600 a year. View Rates by Age

Where you live also has a big influence on Toyota Prius insurance prices. A middle-age driver might find rates as low as $910 a year in states like New Hampshire, Ohio, and Utah, or at least $1,710 on average in Florida, Michigan, and New York.

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Opting for high physical damage deductibles can reduce rates by up to $520 every year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $318 more per year. View Rates by Deductible or Liability Limit

How to Find the Right Toyota Prius Insurance

Saving money on car insurance consists of being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the data that was covered above.

• You may be able to save up to $150 per year just by quoting early and online
• Policyholders who may need more liability protection will pay around $390 every year to raise from a minimum limit to the 250/500 level
• Youthful drivers pay higher rates, with premiums as much as $389 per month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,470 more every year than a low-risk driver