Toyota Prius Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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The average auto insurance rates for a Toyota Prius are $1,274 annually for full coverage insurance. Comprehensive insurance costs on average $294 a year, collision costs $506, and liability coverage is $338. A liability-only policy costs around $394 a year, with high-risk insurance costing $2,748 or more. Teens cost the most to insure at $4,664 a year or more.
Average premium for full coverage: $1,274
Policy rates by type of insurance:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Prius trim levels.
Price Range Variability
For the normal driver, Toyota Prius insurance rates go from as cheap as $394 for a discount liability-only rate to a high of $2,748 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects car insurance rates.
The examples above illustrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than using averaged prices.
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.
Rates by State, City, and Model
The chart below illustrates estimated Toyota Prius insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $733
- Raising to $1,000 deductibles will save around $1,094 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,274
- Selecting low $100 deductibles costs an additional $354 each year
- Unlucky drivers with serious driving violations could pay upwards of $2,748 or more
- Policy cost with full coverage for a teenage driver may cost $4,664
Car insurance rates for a Toyota Prius also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $540 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Toyota Prius insurance rates. A middle-age driver might find rates as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,720 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,152 | -$122 | -9.6% |
| Alaska | $978 | -$296 | -23.2% |
| Arizona | $1,058 | -$216 | -17.0% |
| Arkansas | $1,274 | -$0 | 0.0% |
| California | $1,454 | $180 | 14.1% |
| Colorado | $1,216 | -$58 | -4.6% |
| Connecticut | $1,308 | $34 | 2.7% |
| Delaware | $1,442 | $168 | 13.2% |
| Florida | $1,594 | $320 | 25.1% |
| Georgia | $1,178 | -$96 | -7.5% |
| Hawaii | $918 | -$356 | -27.9% |
| Idaho | $866 | -$408 | -32.0% |
| Illinois | $950 | -$324 | -25.4% |
| Indiana | $962 | -$312 | -24.5% |
| Iowa | $858 | -$416 | -32.7% |
| Kansas | $1,212 | -$62 | -4.9% |
| Kentucky | $1,740 | $466 | 36.6% |
| Louisiana | $1,888 | $614 | 48.2% |
| Maine | $788 | -$486 | -38.1% |
| Maryland | $1,052 | -$222 | -17.4% |
| Massachusetts | $1,018 | -$256 | -20.1% |
| Michigan | $2,212 | $938 | 73.6% |
| Minnesota | $1,068 | -$206 | -16.2% |
| Mississippi | $1,528 | $254 | 19.9% |
| Missouri | $1,132 | -$142 | -11.1% |
| Montana | $1,368 | $94 | 7.4% |
| Nebraska | $1,004 | -$270 | -21.2% |
| Nevada | $1,528 | $254 | 19.9% |
| New Hampshire | $920 | -$354 | -27.8% |
| New Jersey | $1,424 | $150 | 11.8% |
| New Mexico | $1,128 | -$146 | -11.5% |
| New York | $1,342 | $68 | 5.3% |
| North Carolina | $736 | -$538 | -42.2% |
| North Dakota | $1,044 | -$230 | -18.1% |
| Ohio | $878 | -$396 | -31.1% |
| Oklahoma | $1,308 | $34 | 2.7% |
| Oregon | $1,168 | -$106 | -8.3% |
| Pennsylvania | $1,216 | -$58 | -4.6% |
| Rhode Island | $1,700 | $426 | 33.4% |
| South Carolina | $1,156 | -$118 | -9.3% |
| South Dakota | $1,076 | -$198 | -15.5% |
| Tennessee | $1,116 | -$158 | -12.4% |
| Texas | $1,536 | $262 | 20.6% |
| Utah | $944 | -$330 | -25.9% |
| Vermont | $872 | -$402 | -31.6% |
| Virginia | $764 | -$510 | -40.0% |
| Washington | $986 | -$288 | -22.6% |
| West Virginia | $1,168 | -$106 | -8.3% |
| Wisconsin | $880 | -$394 | -30.9% |
| Wyoming | $1,136 | -$138 | -10.8% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company calculates rates differently, so rate quotes will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius | $306 | $512 | $332 | $1,286 |
| 2023 Toyota Prius | $294 | $506 | $338 | $1,274 |
| 2022 Toyota Prius | $284 | $494 | $354 | $1,268 |
| 2021 Toyota Prius | $274 | $474 | $364 | $1,248 |
| 2020 Toyota Prius | $260 | $458 | $376 | $1,230 |
| 2019 Toyota Prius | $250 | $424 | $384 | $1,194 |
| 2018 Toyota Prius | $240 | $400 | $388 | $1,164 |
| 2017 Toyota Prius | $230 | $358 | $390 | $1,114 |
| 2016 Toyota Prius | $214 | $330 | $390 | $1,070 |
| 2015 Toyota Prius | $206 | $310 | $394 | $1,046 |
| 2014 Toyota Prius | $202 | $288 | $402 | $1,028 |
| 2013 Toyota Prius | $186 | $268 | $402 | $992 |
| 2012 Toyota Prius | $182 | $244 | $406 | $968 |
| 2011 Toyota Prius | $170 | $222 | $402 | $930 |
| 2010 Toyota Prius | $160 | $202 | $402 | $900 |
| 2009 Toyota Prius | $154 | $182 | $398 | $870 |
| 2008 Toyota Prius | $152 | $178 | $390 | $856 |
| 2007 Toyota Prius | $150 | $168 | $384 | $838 |
| 2006 Toyota Prius | $138 | $160 | $380 | $814 |
| 2005 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 Buy Low Cost Toyota Prius Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having a good credit score, being claim-free, and maximizing policy discounts. Invest the time to compare rates every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The points below are a review of the coverage data presented in the illustrations above.
- It is possible to save as much as $150 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $525 each year
- Drivers under the age of 20 are expensive to insure, possibly costing $389 each month if comprehensive and collision insurance is included
- Drivers who have several accidents or serious violations may pay on average $1,470 more each year to insure a Toyota Prius
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,664 |
| 20 | $2,928 |
| 30 | $1,336 |
| 40 | $1,274 |
| 50 | $1,164 |
| 60 | $1,144 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,628 |
| $250 | $1,464 |
| $500 | $1,274 |
| $1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,274 |
| 50/100 | $1,342 |
| 100/300 | $1,426 |
| 250/500 | $1,646 |
| 100 CSL | $1,375 |
| 300 CSL | $1,561 |
| 500 CSL | $1,697 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,664 |
| 20 | $4,650 |
| 30 | $2,814 |
| 40 | $2,748 |
| 50 | $2,618 |
| 60 | $2,596 |
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 | $65 |
| Homeowner | $18 |
| 5-yr Accident Free | $95 |
| 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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