Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,274 a year for full coverage insurance. Comprehensive costs an estimated $294 each year, collision costs $506, and liability insurance is estimated at $338. Liability-only coverage costs approximately $394 a year, with high-risk coverage costing around $2,748. Teen drivers cost the most to insure at $4,664 a year or more.

Average premium for full coverage: $1,274

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Prius models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates the difference location can make on insurance prices.

The examples above illustrate why all drivers should get quotes for a targeted area, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $733
• Choosing higher $1,000 deductibles can save approximately $180 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,274
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,628
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,748 or more
• Policy cost that insures a teen driver can cost as much as $4,664 each year

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 $2,000 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest 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 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 as much as $1,720 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $540 each 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 $304 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 from as many companies as possible. Each auto insurer uses a different rate calculation, and rates will be varied.

How to Find Cheap Toyota Prius Insurance

Finding cheaper rates on Toyota Prius insurance takes being safe and accident-free, having a good credit score, being claim-free, and maximizing policy discounts. Shop around at least once a year by getting quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a brief summary of the primary concepts that were touched on in this article.

• It is possible to save approximately $150 per year simply by quoting online in advance
• High-risk drivers that tend to have accidents or serious violations 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