Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,268 a year including full coverage. Comprehensive costs around $284 a year, collision costs $494, and liability costs $354. Liability-only insurance costs as little as $406 a year, with high-risk driver insurance costing around $2,738. Teenage drivers cost the most to insure at $4,670 a year or more.

Average premium for full coverage: $1,268

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Toyota Prius insurance rates for additional coverage choices and driver risks.

• The best discount rate is $727
• Drivers who choose higher $1,000 deductibles will pay about $1,092 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,268
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,612
• Drivers who are prone to accidents and violations could pay at least $2,738 or more
• Policy cost for full coverage for a 16-year-old driver can be $4,670 a year

View Chart as Image

Auto insurance rates for a Toyota Prius also range considerably based on your risk profile, the model of your Prius, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

Your home state makes a big difference in Toyota Prius insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,810 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $520 annually, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 45% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Every company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

How to Find Affordable Toyota Prius Insurance

Finding cheaper rates on insurance for a Toyota Prius not only requires having a decent driving record, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief review of the primary concepts that were covered above.

• You may be able to save up to $150 per year simply by quoting early and online
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,470 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $525 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $389 each month if they have full coverage