Toyota Prius Insurance Rates

The average auto insurance rates for a Toyota Prius are $1,268 annually for full coverage. Comprehensive insurance costs on average $284 each year, collision insurance costs $494, and liability coverage costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs $2,738 or more. Teen drivers cost the most to insure at up to $4,670 a year.

Average premium for full coverage: $1,268

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Prius models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas. The graphic below illustrates how location helps determine car insurance rates.

The examples above show why all drivers should compare prices based on a specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $727
• Using higher $1,000 deductibles will save around $176 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,268
• Choosing low deductibles for physical damage coverage costs an additional $344 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,738
• Policy cost with full coverage for a teenage driver may cost $4,670 or more

View Chart as Image

Insurance rates for a Toyota Prius also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be around 45% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $520 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 more each year. 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 $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,810 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy More Affordable Toyota Prius Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates every other policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below you'll find a summary of the ideas that were covered in the charts and tables above.

• Youthful drivers pay higher rates, costing up to $389 each month if they have full coverage
• Drivers who have multiple accidents or major violations may be required to pay an average of $1,470 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Drivers can save as much as $150 per year just by quoting online in advance