Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,268 every 12 months including full coverage. Comprehensive costs around $284 each year, collision insurance costs $494, and liability coverage costs around $354. Buying just liability costs as low as $406 a year, and insurance for high-risk drivers costs around $2,738. 16-year-old drivers cost the most to insure at up to $4,670 a year.

Average premium for full coverage: $1,268

Policy rates for type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Prius models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why all drivers should compare prices for a specific zip code and their own driving history, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $727
• Using higher $1,000 deductibles will save about $176 every year
• The average price for a good driver age 40 using $500 deductibles is $1,268
• Buying low deductibles for physical damage coverage increases the price to $1,612
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,738
• Policy cost to insure a teenage driver can be $4,670 or more

View Chart as Image

Insurance rates for a Toyota Prius also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles could cut rates by as much as $520 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be around 45% to 132% more than the average rate. View High Risk Driver Rates

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

View Chart as Image

How to Shop for the Right Toyota Prius Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to compare rates at every other renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The list below is a quick rundown of the concepts that were covered above.

• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,470 more every year for car insurance
• Teenagers pay higher rates, with premiums being up to $389 each month if they have full coverage
• You may be able to save up to $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• You may be able to save up to $150 per year just by quoting online in advance