Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,268 a year for full coverage insurance. Comprehensive costs an estimated $284 each year, collision costs $494, and liability is $354. Liability-only coverage costs around $406 a year, with high-risk coverage costing around $2,738. Teenage drivers cost the most to insure at $4,670 a year or more.

Average premium for full coverage: $1,268

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Prius models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area, instead of using average rates.

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

Additional Rate Details

The chart below illustrates estimated Toyota Prius insurance rates for other coverage scenarios.

• The best discount rate is $727
• Raising to $1,000 deductibles will save approximately $176 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,268
• Using low deductibles bumps up the cost to $1,612
• At-risk drivers who are prone to accidents and violations could pay up to $2,738 or more
• Policy cost that insures a teen driver can cost as much as $4,670

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 132% more than a normal 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, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state also has a big influence on Toyota Prius insurance prices. A middle-age driver might find rates as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $520 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

How to Find Affordable Toyota Prius Insurance

Finding cheaper rates on car insurance consists of being safe and accident-free, having a good credit score, being claim-free, and maximizing policy discounts. Compare prices at least once a year by getting quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a brief review of the primary concepts that were covered in the charts and tables above.

• It is possible to save approximately $150 per year simply by quoting online in advance
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,470 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Youthful drivers are expensive to insure, possibly costing $389 each month if comprehensive and collision insurance is included