Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year including full coverage. Comprehensive insurance costs on average $284 each year, collision insurance costs $494, and liability insurance costs around $354. A policy with just liability insurance costs as low as $406 a year, and coverage for high-risk drivers costs $2,738 or more. Teenage drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates by individual coverage type:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Prius models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These examples highlight why all drivers should compare prices based on a specific location, rather than relying on average rates.

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

More Rate Details

The chart below breaks down average Toyota Prius insurance rates for different risk profiles and scenarios.

• The best discount rate is $727
• Using higher $1,000 deductibles will save around $176 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,268
• Using low deductibles for physical damage coverage will cost an additional $344 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,738
• The cost that insures a teen driver may cost $4,670 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 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 could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

Where you live has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,810 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $520 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Toyota Prius Insurance

Saving money on Toyota Prius insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a quick rundown of the material that was covered above.

• Drivers who require higher liability limits will pay an extra $390 per year to increase from a minimum limit to the 250/500 level
• Teenagers pay higher rates, as much as $389 per month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,470 more each year for car insurance
• Increasing deductibles can save approximately $525 each year