Toyota Prius Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 30, 2024
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Estimated insurance prices for a Toyota Prius are $1,268 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $284, collision costs $494, and liability insurance is estimated at $354. Liability-only insurance costs approximately $406 a year, with high-risk driver insurance costing $2,738 or more. 16-year-old drivers pay the most at $4,670 a year or more.
Average premium for full coverage: $1,268
Premium estimates by type of coverage:
Includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Prius models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Toyota Prius go from the cheapest price of $406 for your basic liability-only policy to the much higher price of $2,738 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than congested cities.
The example below illustrates how geographic area affects auto insurance prices.
These rate differences illustrate why everyone should get quotes using their specific location and their own driving history, rather than relying 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.
More Rate Information
The chart below illustrates estimated Toyota Prius insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $727
- Choosing higher $1,000 deductibles can save $176 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,268
- Buying pricier low deductibles for comp and collision coverage costs an extra $344 a year
- High-risk insureds with multiple tickets or accidents could pay around $2,738 or more
- An auto insurance policy to insure a teen driver for full coverage can cost $4,670 each year
Insurance prices for a Toyota Prius also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Prius.
Opting for high physical damage deductibles can save as much as $520 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $318 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Toyota Prius insurance for high-risk drivers ranges anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,710 on average in Florida, New York, and Michigan.
| 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% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, and prices will be substantially different.
| 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 Shop for the Cheapest Toyota Prius Insurance
Finding better rates on Toyota Prius insurance takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates at every policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The items below are a recap of the data presented in the illustrations above.
- Drivers who purchase more liability coverage will pay around $390 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
- It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $525 each year
- Teen drivers are the costliest to insure, with premiums being up to $389 per month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,612 |
| $250 | $1,454 |
| $500 | $1,268 |
| $1,000 | $1,092 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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