Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,274 a year including full coverage. Comprehensive insurance costs approximately $294 a year, collision insurance costs $506, and liability coverage costs around $338. Liability-only coverage costs as low as $394 a year, and high-risk coverage costs $2,748 or more. Teens receive the highest rates at up to $4,664 a year.

Average premium for full coverage: $1,274

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

These examples highlight why it is important to compare prices using their specific location and risk profile, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $733
• Using higher $1,000 deductibles will save $1,094 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,274
• Selecting low $100 deductibles for physical damage coverage will cost an extra $354 each year
• Higher-risk drivers with serious driving violations could pay around $2,748
• The cost for full coverage for a teenage driver can cost $4,664 or more

View Chart as Image

Car insurance rates for a Toyota Prius can also vary considerably based on your driver profile, the model of your Prius, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

Where you live has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see rates as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,820 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than the average policy. View High Risk Driver Rates

How to Find the Best Cheap Toyota Prius Insurance

Saving money on auto insurance requires having a decent driving record, having above-average credit, not filing small claims, and attention to physical damage deductibles. Take the time to comparison shop at least every other year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following items are a quick review of the car insurance concepts touched on in the above illustrations.

• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,470 more per year than a driver with a clean driving record
• You may be able to save around $150 per year just by quoting early and online
• Increasing deductibles can save around $525 each year
• Consumers who purchase additional liability coverage will pay approximately $370 per year to increase from a minimum limit to 250/500 limits