Toyota Prius Insurance Rates

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UPDATED: Mar 30, 2024

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Toyota Prius c insurance

U.S. average auto insurance rates for a Toyota Prius are $1,268 annually including full coverage. Comprehensive costs approximately $284 each year, collision costs $494, and liability costs around $354. Buying just liability costs as low as $406 a year, with insurance for high-risk drivers costing around $2,738. 16-year-old drivers pay the highest rates at $4,670 a year or more.

Average premium for full coverage: $1,268

Price estimates by individual coverage:

Comprehensive $284
Collision $494
Liability $354

Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Prius models.

Price Range from Low to High

For a driver around age 40, Toyota Prius insurance prices go from as cheap as $406 for just liability coverage to a high rate of $2,738 for a driver who has had serious violations or accidents.

Liability Only $406
Full Coverage $1,268
High Risk $2,738

Geographic Price Range

Where you live can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $951
Small Cities $1,331
Large Cities $1,712

The ranges above highlight why all drivers should compare prices using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

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

  • The best full coverage rate is $727
  • Using higher $1,000 deductibles will save $176 every year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,268
  • Buying low deductibles for physical damage coverage will cost $1,612
  • High-risk insureds with multiple tickets or accidents could pay around $2,738 or more
  • The price with full coverage for a 16-year-old driver can cost $4,670 or more

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing full coverage Toyota Prius insurance rates range from $727 to $4,670

Insurance prices for a Toyota Prius are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers can be from 45% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $520 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $318 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,810 on average in Louisiana, New York, and Michigan.

Toyota Prius Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,144 -$124 -9.8%
Alaska $974 -$294 -23.2%
Arizona $1,052 -$216 -17.0%
Arkansas $1,268 -$0 0.0%
California $1,446 $178 14.0%
Colorado $1,210 -$58 -4.6%
Connecticut $1,302 $34 2.7%
Delaware $1,434 $166 13.1%
Florida $1,584 $316 24.9%
Georgia $1,170 -$98 -7.7%
Hawaii $912 -$356 -28.1%
Idaho $860 -$408 -32.2%
Illinois $944 -$324 -25.6%
Indiana $954 -$314 -24.8%
Iowa $854 -$414 -32.6%
Kansas $1,204 -$64 -5.0%
Kentucky $1,728 $460 36.3%
Louisiana $1,876 $608 47.9%
Maine $784 -$484 -38.2%
Maryland $1,046 -$222 -17.5%
Massachusetts $1,012 -$256 -20.2%
Michigan $2,200 $932 73.5%
Minnesota $1,062 -$206 -16.2%
Mississippi $1,518 $250 19.7%
Missouri $1,126 -$142 -11.2%
Montana $1,362 $94 7.4%
Nebraska $998 -$270 -21.3%
Nevada $1,520 $252 19.9%
New Hampshire $912 -$356 -28.1%
New Jersey $1,418 $150 11.8%
New Mexico $1,122 -$146 -11.5%
New York $1,334 $66 5.2%
North Carolina $730 -$538 -42.4%
North Dakota $1,038 -$230 -18.1%
Ohio $874 -$394 -31.1%
Oklahoma $1,300 $32 2.5%
Oregon $1,162 -$106 -8.4%
Pennsylvania $1,208 -$60 -4.7%
Rhode Island $1,690 $422 33.3%
South Carolina $1,150 -$118 -9.3%
South Dakota $1,070 -$198 -15.6%
Tennessee $1,108 -$160 -12.6%
Texas $1,528 $260 20.5%
Utah $938 -$330 -26.0%
Vermont $866 -$402 -31.7%
Virginia $758 -$510 -40.2%
Washington $980 -$288 -22.7%
West Virginia $1,162 -$106 -8.4%
Wisconsin $874 -$394 -31.1%
Wyoming $1,128 -$140 -11.0%

View Chart as Image

Toyota Prius insurance rates by U.S. city

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and prices may be quite different between companies.

Toyota Prius Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Prius $294 $506 $338 $1,274
2023 Toyota Prius $284 $494 $354 $1,268
2022 Toyota Prius $274 $474 $364 $1,248
2021 Toyota Prius $260 $458 $376 $1,230
2020 Toyota Prius $250 $424 $384 $1,194
2019 Toyota Prius $240 $400 $388 $1,164
2018 Toyota Prius $230 $358 $390 $1,114
2017 Toyota Prius $214 $330 $390 $1,070
2016 Toyota Prius $206 $310 $394 $1,046
2015 Toyota Prius $202 $288 $402 $1,028
2014 Toyota Prius $186 $268 $402 $992
2013 Toyota Prius $182 $244 $406 $968
2012 Toyota Prius $170 $222 $402 $930
2011 Toyota Prius $160 $202 $402 $900
2010 Toyota Prius $154 $182 $398 $870
2009 Toyota Prius $152 $178 $390 $856
2008 Toyota Prius $150 $168 $384 $838
2007 Toyota Prius $138 $160 $380 $814
2006 Toyota Prius $132 $152 $376 $796

Rates are averaged for all Toyota Prius models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Right Toyota Prius Insurance

Getting lower rates on insurance for a Toyota Prius requires not taking risks behind the wheel, having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following is a quick rundown of the ideas that were covered above.

  • Teens are the costliest to insure, possibly costing $389 a month if they have full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,470 more per year for Prius insurance
  • Increasing physical damage deductibles could save up to $525 each year
  • You may be able to save around $150 per year simply by quoting online in advance

Rates by Driver Age

Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $4,670
20 $2,914
30 $1,326
40 $1,268
50 $1,158
60 $1,136

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,612
$250 $1,454
$500 $1,268
$1,000 $1,092

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,268
50/100 $1,339
100/300 $1,427
250/500 $1,657
100 CSL $1,374
300 CSL $1,569
500 CSL $1,711

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $6,674
20 $4,634
30 $2,804
40 $2,738
50 $2,608
60 $2,584

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $176

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $66
Homeowner $18
5-yr Accident Free $94
5-yr Claim Free $82
Paid in Full/EFT $59
Advance Quote $63
Online Quote $91
Total Discounts $541
Rate after discounts $727

Discounts are estimated and may not be available from every company or in every state.

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