Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,274 a year for full coverage. Comprehensive insurance costs on average $294, collision insurance costs $506, and liability coverage is $338. Liability-only coverage costs around $394 a year, and high-risk coverage costs $2,748 or more. 16-year-old drivers cost the most to insure at up to $4,664 a year.

Average premium for full coverage: $1,274

Policy rates by type of insurance:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The price range example below illustrates how your location can change car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $733
• Raising to $1,000 deductibles will save around $180 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,274
• Buying more expensive low deductibles will cost an extra $354 each year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,748
• Policy cost for full coverage for a teenage driver with full coverage may cost $4,664

View Chart as Image

Insurance rates for a Toyota Prius also range considerably based on your risk profile, the trim level of your Prius, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

Your home state also has a big influence on Toyota Prius insurance rates. A middle-age driver might find rates as low as $840 a year in states like Idaho, Maine, and Iowa, or at least $1,820 on average in Michigan, Louisiana, and New York.

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Opting for high physical damage deductibles can reduce rates by up to $540 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,500 to $2,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 131% more than the average rate. View High Risk Driver Rates

How to Find the Right Toyota Prius Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around at least every other year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The points below are a quick rundown of the car insurance concepts illustrated above.

• Drivers with reckless driving or DUI convictions will pay on average $1,470 more each year to insure a Toyota Prius
• Drivers can save as much as $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $525 each year
• Consumers who require increased liability limits will pay around $370 each year to raise from a 30/60 limit to 250/500 limits