Toyota Prius Insurance Rates
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Michelle Robbins
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UPDATED: Mar 30, 2024
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U.S. average auto insurance rates for a Toyota Prius are $1,268 annually including full coverage. Comprehensive costs on average $284, collision costs $494, and liability costs $354. A policy with just liability insurance costs as little as $406 a year, with coverage for high-risk drivers costing around $2,738. Teen drivers pay the highest rates at $4,670 a year or more.
Average premium for full coverage: $1,268
Price estimates by individual coverage:
These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Prius models.
Price Range from Low to High
For a driver around age 40, Toyota Prius insurance prices go from as cheap as $406 for basic liability insurance to the much higher price of $2,738 for a high-risk driver policy.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above highlight why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below breaks down estimated Toyota Prius insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $727
- Drivers who choose higher $1,000 deductibles will pay around $176 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,268
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,612
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,738 or more
- The price with full coverage for a 16-year-old driver for full coverage may cost $4,670 a year
Insurance prices for a Toyota Prius are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 extra each year, depending on your age. Toyota Prius insurance for high-risk drivers can cost from 45% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $520 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Toyota Prius insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,810 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,144 | -$124 | -9.8% |
| Alaska | $974 | -$294 | -23.2% |
| Arizona | $1,052 | -$216 | -17.0% |
| Arkansas | $1,268 | -$0 | 0.0% |
| California | $1,446 | $178 | 14.0% |
| Colorado | $1,210 | -$58 | -4.6% |
| Connecticut | $1,302 | $34 | 2.7% |
| Delaware | $1,434 | $166 | 13.1% |
| Florida | $1,584 | $316 | 24.9% |
| Georgia | $1,170 | -$98 | -7.7% |
| Hawaii | $912 | -$356 | -28.1% |
| Idaho | $860 | -$408 | -32.2% |
| Illinois | $944 | -$324 | -25.6% |
| Indiana | $954 | -$314 | -24.8% |
| Iowa | $854 | -$414 | -32.6% |
| Kansas | $1,204 | -$64 | -5.0% |
| Kentucky | $1,728 | $460 | 36.3% |
| Louisiana | $1,876 | $608 | 47.9% |
| Maine | $784 | -$484 | -38.2% |
| Maryland | $1,046 | -$222 | -17.5% |
| Massachusetts | $1,012 | -$256 | -20.2% |
| Michigan | $2,200 | $932 | 73.5% |
| Minnesota | $1,062 | -$206 | -16.2% |
| Mississippi | $1,518 | $250 | 19.7% |
| Missouri | $1,126 | -$142 | -11.2% |
| Montana | $1,362 | $94 | 7.4% |
| Nebraska | $998 | -$270 | -21.3% |
| Nevada | $1,520 | $252 | 19.9% |
| New Hampshire | $912 | -$356 | -28.1% |
| New Jersey | $1,418 | $150 | 11.8% |
| New Mexico | $1,122 | -$146 | -11.5% |
| New York | $1,334 | $66 | 5.2% |
| North Carolina | $730 | -$538 | -42.4% |
| North Dakota | $1,038 | -$230 | -18.1% |
| Ohio | $874 | -$394 | -31.1% |
| Oklahoma | $1,300 | $32 | 2.5% |
| Oregon | $1,162 | -$106 | -8.4% |
| Pennsylvania | $1,208 | -$60 | -4.7% |
| Rhode Island | $1,690 | $422 | 33.3% |
| South Carolina | $1,150 | -$118 | -9.3% |
| South Dakota | $1,070 | -$198 | -15.6% |
| Tennessee | $1,108 | -$160 | -12.6% |
| Texas | $1,528 | $260 | 20.5% |
| Utah | $938 | -$330 | -26.0% |
| Vermont | $866 | -$402 | -31.7% |
| Virginia | $758 | -$510 | -40.2% |
| Washington | $980 | -$288 | -22.7% |
| West Virginia | $1,162 | -$106 | -8.4% |
| Wisconsin | $874 | -$394 | -31.1% |
| Wyoming | $1,128 | -$140 | -11.0% |
Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Every company uses a different rate calculation, so the prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius | $294 | $506 | $338 | $1,274 |
| 2023 Toyota Prius | $284 | $494 | $354 | $1,268 |
| 2022 Toyota Prius | $274 | $474 | $364 | $1,248 |
| 2021 Toyota Prius | $260 | $458 | $376 | $1,230 |
| 2020 Toyota Prius | $250 | $424 | $384 | $1,194 |
| 2019 Toyota Prius | $240 | $400 | $388 | $1,164 |
| 2018 Toyota Prius | $230 | $358 | $390 | $1,114 |
| 2017 Toyota Prius | $214 | $330 | $390 | $1,070 |
| 2016 Toyota Prius | $206 | $310 | $394 | $1,046 |
| 2015 Toyota Prius | $202 | $288 | $402 | $1,028 |
| 2014 Toyota Prius | $186 | $268 | $402 | $992 |
| 2013 Toyota Prius | $182 | $244 | $406 | $968 |
| 2012 Toyota Prius | $170 | $222 | $402 | $930 |
| 2011 Toyota Prius | $160 | $202 | $402 | $900 |
| 2010 Toyota Prius | $154 | $182 | $398 | $870 |
| 2009 Toyota Prius | $152 | $178 | $390 | $856 |
| 2008 Toyota Prius | $150 | $168 | $384 | $838 |
| 2007 Toyota Prius | $138 | $160 | $380 | $814 |
| 2006 Toyota Prius | $132 | $152 | $376 | $796 |
Rates are averaged for all Toyota Prius models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheap Toyota Prius Insurance
Getting lower rates on insurance for a Toyota Prius not only requires being a safe and courteous driver, but also having a good credit history, being claim-free, and bundling your home and auto policies. Set aside time to compare rates every time your policy renews by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a brief summary of the information covered above.
- You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
- Teenage drivers pay the highest prices, possibly costing $389 a month including comprehensive and collision insurance
- Increasing physical damage deductibles could save up to $525 each year
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,470 more each year for auto insurance
- Insureds who require higher levels of liability will pay about $390 per year to go from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,670 |
| 20 | $2,914 |
| 30 | $1,326 |
| 40 | $1,268 |
| 50 | $1,158 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,612 |
| $250 | $1,454 |
| $500 | $1,268 |
| $1,000 | $1,092 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,268 |
| 50/100 | $1,339 |
| 100/300 | $1,427 |
| 250/500 | $1,657 |
| 100 CSL | $1,374 |
| 300 CSL | $1,569 |
| 500 CSL | $1,711 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,674 |
| 20 | $4,634 |
| 30 | $2,804 |
| 40 | $2,738 |
| 50 | $2,608 |
| 60 | $2,584 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $66 |
| Homeowner | $18 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $59 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $541 |
Discounts are estimated and may not be available from every company or in every state.
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