Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive costs on average $284, collision insurance costs $494, and liability insurance costs around $354. Buying just liability costs as low as $406 a year, and insurance for high-risk drivers costs around $2,738. 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:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all Prius models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities. The example below illustrates how your location can change car insurance rates.

These examples show why everyone should compare prices based on a specific location and risk profile, rather than relying on average rates.

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 best discount rate is $727
• Using higher $1,000 deductibles will save around $176 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,268
• Using pricier low deductibles for physical damage coverage will increase the cost to $1,612
• Drivers who are prone to accidents and violations could pay upwards of $2,738
• The cost for full coverage for a teen driver for full coverage may cost $4,670 or more

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

A more mature driver with a good driving record and high deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

Where you live 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 be forced to pay as much as $1,810 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $520 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $318 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Toyota Prius insurance for high-risk drivers can be anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Toyota Prius Insurance

Saving money on Toyota Prius insurance requires having a decent driving record, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to shop around at least every other year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following items are a brief summary of the car insurance concepts illustrated above.

• High-risk drivers that tend to have accidents or serious violations will pay on average $1,470 more each year than a driver with a clean driving record
• Drivers can save as much as $150 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $525 each year
• Drivers who require additional liability coverage will pay an extra $390 each year to increase from a minimum limit to 250/500 limits