Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,274 every 12 months including full coverage. Comprehensive costs an estimated $294 a year, collision costs $506, and liability coverage is $338. Liability-only insurance costs around $394 a year, with high-risk driver insurance costing around $2,748. Teenage drivers cost the most to insure at $4,664 a year or more.

Average premium for full coverage: $1,274

Policy rates broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference location can make on insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below breaks down estimated Toyota Prius insurance rates for other coverage scenarios.

• The best discount rate is $733
• Raising to $1,000 deductibles will save approximately $1,094 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,274
• Using low $100 deductibles increases the price to $1,628
• Unlucky drivers who are prone to accidents and violations could pay up to $2,748 or more
• Policy cost to insure a teenage driver can cost as much as $4,664

View Chart as Image

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

Using high physical damage deductibles can reduce rates by up to $540 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have 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 are likely paying $1,500 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Toyota Prius insurance rates. A middle-age driver might find rates as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.

How to Shop for the Best Toyota Prius Insurance

Finding cheaper rates on auto insurance consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates every couple of years by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a brief recap of the material that was touched on in this article.

• Consumers who want additional liability coverage will pay an extra $370 per year to raise from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $389 each month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations may have to pay on average $1,470 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $525 each year