Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive costs around $284, collision insurance costs $494, and liability coverage costs $354. Buying just liability costs as little as $406 a year, and insurance for high-risk drivers costs around $2,738. Teenage drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates for individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples show why anyone shopping for car insurance should compare rates for a specific zip code, rather than using average rates.

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

Rate Comparisons

The chart below shows average Toyota Prius insurance rates for additional coverage choices and driver risks.

• The best discount rate is $727
• Drivers who choose higher $1,000 deductibles will pay about $176 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,268
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,612
• High-risk insureds who are prone to accidents and violations could pay at least $2,738
• The cost that insures a teenage driver with full coverage can be $4,670 a year

View Chart as Image

Auto insurance rates for a Toyota Prius can also vary considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can cost around 45% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

Where you live makes a big difference in Toyota Prius insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,810 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $520 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $318 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheaper Toyota Prius Insurance

Saving money on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Compare prices once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a condensed summary of the data that was covered in the above illustrations.

• Drivers can save up to $150 per year just by shopping early and online
• Consumers who may need additional liability coverage will pay an extra $390 each year to go from a minimum limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, costing as high as $389 per month if the policy includes full coverage
• Drivers with multiple at-fault accidents pay on average $1,470 more every year than a driver with a clean driving record