Toyota Prius Insurance Rates

U.S. average insurance prices for a Toyota Prius are $1,268 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $284 a year, collision insurance costs $494, and liability costs $354. A policy with just liability insurance costs as little as $406 a year, and coverage for high-risk drivers costs $2,738 or more. Teens pay the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Prius trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

The ranges above illustrate why it is important to compare rates using their specific location and their own driving history, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $727
• Drivers who choose higher $1,000 deductibles will pay $1,092 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,268
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $344 every year
• Higher-risk drivers with serious driving violations could pay around $2,738
• The price to insure a teen driver can cost $4,670 a year

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Insurance prices for a Toyota Prius are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Prius.

Choosing higher comprehensive and collision insurance deductibles could save up to $520 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 132% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Toyota Prius insurance prices. A 40-year-old driver could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,710 on average in Florida, New York, and Michigan.

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How to Shop for Affordable Toyota Prius Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a brief review of the coverage data touched on in the above illustrations.

• It is possible to save around $150 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $525 each year
• Teen drivers are expensive to insure, as much as $389 a month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,470 more per year to insure their Prius