Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,274 a year for full coverage. Comprehensive costs an estimated $294 a year, collision insurance costs $506, and liability coverage costs around $338. A liability-only policy costs as low as $394 a year, and high-risk insurance costs around $2,748. Teen drivers cost the most to insure at up to $4,664 a year.

Average premium for full coverage: $1,274

Policy rates broken down by type of insurance:

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.

The examples above show why it is important to compare prices for a targeted area and risk profile, rather than using price averages.

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

Detailed Rate Analysis

The chart below shows average Toyota Prius insurance rates for other coverage scenarios.

• The lowest rate with discounts is $733
• Using higher $1,000 deductibles will save approximately $1,094 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,274
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,628
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,748
• Policy cost for full coverage for a teenage driver can cost as much as $4,664 or more

View Chart as Image

Car insurance rates for a Toyota Prius also range considerably based on your risk profile, the trim level of your Prius, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $4,600 a year. View Rates by Age

Your home state has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $540 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than average. View High Risk Driver Rates

How to Find More Affordable Toyota Prius Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a summary of the data that was presented in the illustrations above.

• Drivers can save approximately $150 per year just by quoting early and online
• Consumers who want increased levels of liability coverage will pay about $370 each year to increase from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger have the highest car insurance rates, costing up to $389 each month if full coverage is included
• Drivers who have multiple accidents or major violations pay an average of $1,470 more annually to buy Toyota Prius insurance