Toyota Prius Insurance Rates

Average insurance prices for a Toyota Prius are $1,268 every 12 months with full coverage. Comprehensive insurance costs around $284, collision insurance costs $494, and liability costs $354. Buying just liability costs as little as $406 a year, and insurance for high-risk drivers costs $2,738 or more. Teenage drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Prius models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance rates.

These examples demonstrate why everyone should compare rates for a specific zip code and their own driving history, 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 details average 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 $176 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,268
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $344 annually
• Drivers who are prone to accidents and violations could pay at least $2,738
• The cost to insure a 16-year-old driver for full coverage can be $4,670 a year

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Auto insurance rates for a Toyota Prius can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Using high physical damage deductibles could save up to $520 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $318 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 in extra premium per year, depending on your age. Toyota Prius insurance for high-risk drivers can cost from 45% to 132% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Toyota Prius insurance prices. A 40-year-old driver could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.

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How to Shop for Cheap Toyota Prius Insurance

Saving money on insurance for a Toyota Prius not only requires avoiding accidents and claims, but also having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates at every policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a brief summary of the data touched on in this article.

• Insureds who may need increased liability limits will pay an extra $390 every year to go from a minimum limit to a 250/500 level
• You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $525 each year
• Drivers under the age of 20 are expensive to insure, with premiums as much as $389 per month if comprehensive and collision insurance is included