Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive insurance costs an estimated $284 a year, collision insurance costs $494, and liability coverage is estimated at $354. A policy with just liability insurance costs approximately $406 a year, and coverage for high-risk drivers costs $2,738 or more. Teenage drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates broken down by individual coverage type:

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

These examples show why it is important to get quotes for a targeted area and risk profile, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $727
• Choosing higher $1,000 deductibles can save approximately $1,092 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,268
• Using low $100 deductibles for comp and collision coverage will cost an extra $344 each year
• Drivers who are prone to accidents and violations could pay up to $2,738
• The cost for full coverage for a teenage driver can cost as much as $4,670 each year

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Insurance rates for a Toyota Prius can also vary considerably based on your driver profile, the trim level of your Prius, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,810 on average in New York, Louisiana, and Michigan.

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Using high physical damage deductibles can save as much as $520 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy ranges around 45% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Low Cost Toyota Prius Insurance

Saving money on auto insurance takes being a low-risk driver, having a good credit history, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to shop around every time your policy renews by requesting rates from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The items below are a review of the information illustrated above.

• Drivers can save approximately $150 per year just by quoting early and online
• Teen drivers are expensive to insure, costing as high as $389 per month including comprehensive and collision insurance
• Increasing deductibles can save around $525 each year
• Drivers who have several accidents or serious violations pay an average of $1,470 more annually to insure their Prius
• Consumers who want more liability coverage will pay an extra $390 each year to raise limits from a minimum limit to 250/500 limits