Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,268 every 12 months with full coverage. Comprehensive costs an estimated $284 each year, collision insurance costs $494, and liability insurance is estimated at $354. Liability-only coverage costs approximately $406 a year, and high-risk coverage costs around $2,738. Teenage drivers cost the most to insure at up to $4,670 a year.

Average premium for full coverage: $1,268

Policy rates broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Prius models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.

The examples above demonstrate why all drivers should get quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $727
• Choosing higher $1,000 deductibles can save approximately $176 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,268
• Using low deductibles for comp and collision coverage increases the price to $1,612
• High-risk insureds who are prone to accidents and violations could pay up to $2,738
• Policy cost to insure a teen driver can cost as much as $4,670 each year

View Chart as Image

Insurance rates for a Toyota Prius also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Using high physical damage deductibles can save as much as $520 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,710 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for the Best Toyota Prius Insurance

Finding cheaper rates on Toyota Prius insurance takes having a decent driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates at least every other year by getting quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a brief recap of the car insurance concepts covered in the charts and tables above.

• High-risk drivers who tend to receive serious violations may pay on average $1,470 more annually than a driver with a clean driving record
• You may be able to save approximately $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers who want additional liability coverage will pay an extra $390 every year to raise limits from a 30/60 limit to a 250/500 level