Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year for full coverage insurance. Comprehensive insurance costs approximately $284, collision insurance costs $494, and liability costs around $354. A policy with just liability insurance costs as low as $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 by individual coverage type:

Prices are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of using average rates.

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

Rates by State, City, and Model

The chart below illustrates average Toyota Prius insurance rates for additional coverage and risk scenarios.

• The best discount rate is $727
• Using higher $1,000 deductibles will save $176 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,268
• Using more expensive low deductibles for physical damage coverage will cost an additional $344 every year
• Drivers who are prone to accidents and violations could pay around $2,738
• The cost that insures a teen driver with full coverage can cost $4,670 or more

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

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can be as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

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

View Chart as Image

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

How to Find Affordable Toyota Prius Insurance

Saving money on car insurance requires being a good driver, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a brief review of the material that was presented in the illustrations above.

• Policyholders who purchase an increased level of liability coverage will pay an extra $390 annually to increase from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, costing up to $389 per month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,470 more per year than a safer driver
• Increasing deductibles can save approximately $525 each year