Toyota Prius Insurance Rates

Estimated insurance prices for a Toyota Prius are $1,268 every 12 months for full coverage insurance. Comprehensive insurance costs around $284 each year, collision insurance costs $494, and liability insurance costs around $354. A liability-only policy costs as low as $406 a year, and high-risk insurance costs $2,738 or more. Teen drivers pay the most at up to $4,670 a year.

Average premium for full coverage: $1,268

Premium estimates for type of coverage:

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Prius models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why all drivers should compare prices for a specific zip code and their own driving history, rather than relying on price averages.

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

Rate Comparisons

The chart below illustrates average Toyota Prius insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $727
• Using higher $1,000 deductibles will save about $176 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,268
• Choosing low deductibles for physical damage coverage costs an extra $344 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,738
• An auto insurance policy to insure a teen driver can be $4,670 or more

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Auto insurance prices for a Toyota Prius also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $520 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 132% more than average. View High Risk Driver Rates

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 $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Low Cost Toyota Prius Insurance

Finding better rates on Toyota Prius insurance requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates every other policy renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a review of the ideas that were covered above.

• Teenage drivers are expensive to insure, with premiums being up to $389 per month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,470 more every year for auto insurance
• Increasing policy deductibles could save as much as $525 each year
• It is possible to save up to $150 per year just by quoting online in advance