Toyota Prius Insurance Rates

Estimated insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive insurance costs approximately $284 a year, collision insurance costs $494, and liability insurance costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs $2,738 or more. Teens pay the most at up to $4,670 a year.

Average premium for full coverage: $1,268

Premium estimates by type of coverage:

Full coverage includes $500 physical damage deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Prius trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

These rate differences show why it is important to compare prices using their specific location, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $727
• Using higher $1,000 deductibles will save $1,092 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,268
• Selecting low $100 deductibles for physical damage coverage will cost an additional $344 a year
• Drivers with serious driving violations could pay around $2,738
• An auto insurance policy that insures a teen driver can cost $4,670 or more

View Chart as Image

Insurance prices for a Toyota Prius also have a wide range based on the trim level of your Prius, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see prices as low as $840 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,810 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $520 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 more per year. View Rates by Deductible or Liability Limit

How to Find More Affordable Toyota Prius Insurance

Finding better rates on Toyota Prius insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and possibly raising deductibles. Compare rates at every policy renewal by requesting rates from direct carriers, and also from insurance agencies where you live.

Below is a summary of the data touched on in the above illustrations.

• Drivers who purchase higher levels of liability will pay approximately $390 each year to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers can save around $150 per year just by quoting early and online
• Increasing policy deductibles can save approximately $525 each year
• Teenage drivers are expensive to insure, as much as $389 per month if full coverage is included