Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,268 a year including full coverage. Comprehensive costs on average $284 each year, collision insurance costs $494, and liability is $354. Buying just liability costs around $406 a year, and insurance for high-risk drivers costs around $2,738. Teens pay the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Price estimates by individual coverage:

Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Prius models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts car insurance rates.

The ranges above highlight why all drivers should compare rates quotes based on a specific location, instead of using averaged prices.

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

More Rate Information

The chart below breaks down average Toyota Prius insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $727
• Raising to $1,000 deductibles will save around $176 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,268
• Selecting low deductibles bumps up the cost to $1,612
• At-risk drivers with serious driving violations could pay upwards of $2,738
• The price that insures a teen driver may cost $4,670

View Chart as Image

Insurance prices for a Toyota Prius are also quite variable based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Toyota Prius insurance prices. A middle-age driver might find prices as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,810 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $520 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Toyota Prius Insurance

Getting lower rates on car insurance consists of being a low-risk driver, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Compare rates at every policy renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The items below are a quick rundown of the data touched on above.

• Policyholders who require more liability coverage will pay approximately $390 per year to raise from a low limit to the 250/500 level
• You may be able to save as much as $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $525 each year
• Teen drivers pay higher prices, possibly costing $389 a month if comprehensive and collision insurance is included