Toyota Prius Insurance Rates

The average auto insurance rates for a Toyota Prius are $1,268 annually for full coverage. Comprehensive insurance costs approximately $284 a year, collision insurance costs $494, and liability costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs $2,738 or more. 16-year-old drivers cost the most to insure at up to $4,670 a year.

Average premium for full coverage: $1,268

Policy rates by type of insurance:

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP 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 can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than congested cities. The diagram below illustrates how where you live affects auto insurance prices.

The examples above show why it is important to compare prices using their specific location and their own personal driving habits, instead of using rate averages.

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

Additional Charts and Tables

The chart below shows average Toyota Prius insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $727
• Using higher $1,000 deductibles will save $1,092 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,268
• Buying low $100 deductibles for physical damage coverage costs an additional $344 every year
• Drivers with multiple tickets or accidents could pay around $2,738
• Policy cost with full coverage for a teen driver can cost $4,670 or more

View Chart as Image

Insurance rates for a Toyota Prius also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark 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 could be paying anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $520 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Iowa, Maine, and Idaho, or at least $1,810 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy the Best Toyota Prius Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a brief recap of the material that was touched on in the above illustrations.

• Policyholders who purchase higher levels of liability will pay around $390 each year to increase from a 30/60 limit to higher 250/500 limits
• Teenage drivers are the costliest to insure, costing up to $389 each month if they have full coverage
• Higher risk drivers who tend to receive serious violations pay on average $1,470 more per year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $525 each year