Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,268 a year with full coverage. Comprehensive costs around $284 each year, collision insurance costs $494, and liability costs $354. Liability-only insurance costs as little as $406 a year, and high-risk driver insurance costs around $2,738. Teenage drivers cost the most to insure at up to $4,670 a year.

Average premium for full coverage: $1,268

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Prius models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how your location can change auto insurance rates.

The examples above demonstrate why all drivers should compare rates for a specific zip code, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details 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 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,268
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,612
• Drivers who are prone to accidents and violations could pay at least $2,738
• Policy cost that insures a 16-year-old driver can be $4,670 a year

View Chart as Image

Auto insurance rates for a Toyota Prius also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost from 45% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

Your home state makes a big difference in Toyota Prius insurance prices. A 40-year-old driver could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $520 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheaper Toyota Prius Insurance

Finding cheaper rates on insurance for a Toyota Prius not only requires being a good driver, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare prices at least once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.

The following list is a condensed summary of the primary concepts that were illustrated above.

• You may be able to save up to $150 per year just by quoting online in advance
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,470 more every year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers age 16 to 20 are expensive to insure, as much as $389 each month if the policy includes full coverage