Toyota Prius Insurance Rates

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UPDATED: Mar 30, 2024

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Toyota Prius c insurance

The average auto insurance rates for a Toyota Prius are $1,274 annually including full coverage. Comprehensive insurance costs on average $294, collision insurance costs $506, and liability coverage costs around $338. Liability-only insurance costs as low as $394 a year, and high-risk driver insurance 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:

Comprehensive $294
Collision $506
Liability $338

These estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Prius trim levels.

Price Range Variability

For the average driver, Toyota Prius insurance rates range from as cheap as $394 for just liability coverage to a much higher rate of $2,748 for high-risk insurance.

Liability Only $394
Full Coverage $1,274
High Risk $2,748

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how location impacts car insurance rates.

Rural Areas $956
Small Cities $1,338
Large Cities $1,720

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using rate 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.

Detailed Rate Analysis

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

  • The best full coverage rate is $733
  • Using higher $1,000 deductibles will save around $180 every year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,274
  • Buying more expensive low deductibles for physical damage coverage costs an additional $354 each year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,748
  • Policy cost with full coverage for a teenage driver with full coverage may cost $4,664 or more

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing Toyota Prius insurance prices range from $733 to $4,664 for full coverage

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

An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards 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 are likely paying at a minimum $1,500 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can be around 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $540 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,820 on average in Michigan, New York, and Louisiana.

Toyota Prius Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,152 -$122 -9.6%
Alaska $978 -$296 -23.2%
Arizona $1,058 -$216 -17.0%
Arkansas $1,274 -$0 0.0%
California $1,454 $180 14.1%
Colorado $1,216 -$58 -4.6%
Connecticut $1,308 $34 2.7%
Delaware $1,442 $168 13.2%
Florida $1,594 $320 25.1%
Georgia $1,178 -$96 -7.5%
Hawaii $918 -$356 -27.9%
Idaho $866 -$408 -32.0%
Illinois $950 -$324 -25.4%
Indiana $962 -$312 -24.5%
Iowa $858 -$416 -32.7%
Kansas $1,212 -$62 -4.9%
Kentucky $1,740 $466 36.6%
Louisiana $1,888 $614 48.2%
Maine $788 -$486 -38.1%
Maryland $1,052 -$222 -17.4%
Massachusetts $1,018 -$256 -20.1%
Michigan $2,212 $938 73.6%
Minnesota $1,068 -$206 -16.2%
Mississippi $1,528 $254 19.9%
Missouri $1,132 -$142 -11.1%
Montana $1,368 $94 7.4%
Nebraska $1,004 -$270 -21.2%
Nevada $1,528 $254 19.9%
New Hampshire $920 -$354 -27.8%
New Jersey $1,424 $150 11.8%
New Mexico $1,128 -$146 -11.5%
New York $1,342 $68 5.3%
North Carolina $736 -$538 -42.2%
North Dakota $1,044 -$230 -18.1%
Ohio $878 -$396 -31.1%
Oklahoma $1,308 $34 2.7%
Oregon $1,168 -$106 -8.3%
Pennsylvania $1,216 -$58 -4.6%
Rhode Island $1,700 $426 33.4%
South Carolina $1,156 -$118 -9.3%
South Dakota $1,076 -$198 -15.5%
Tennessee $1,116 -$158 -12.4%
Texas $1,536 $262 20.6%
Utah $944 -$330 -25.9%
Vermont $872 -$402 -31.6%
Virginia $764 -$510 -40.0%
Washington $986 -$288 -22.6%
West Virginia $1,168 -$106 -8.3%
Wisconsin $880 -$394 -30.9%
Wyoming $1,136 -$138 -10.8%

View Chart as Image

Toyota Prius insurance rates by U.S. city
Toyota Prius Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Prius $306 $512 $332 $1,286
2023 Toyota Prius $294 $506 $338 $1,274
2022 Toyota Prius $284 $494 $354 $1,268
2021 Toyota Prius $274 $474 $364 $1,248
2020 Toyota Prius $260 $458 $376 $1,230
2019 Toyota Prius $250 $424 $384 $1,194
2018 Toyota Prius $240 $400 $388 $1,164
2017 Toyota Prius $230 $358 $390 $1,114
2016 Toyota Prius $214 $330 $390 $1,070
2015 Toyota Prius $206 $310 $394 $1,046
2014 Toyota Prius $202 $288 $402 $1,028
2013 Toyota Prius $186 $268 $402 $992
2012 Toyota Prius $182 $244 $406 $968
2011 Toyota Prius $170 $222 $402 $930
2010 Toyota Prius $160 $202 $402 $900
2009 Toyota Prius $154 $182 $398 $870
2008 Toyota Prius $152 $178 $390 $856
2007 Toyota Prius $150 $168 $384 $838
2006 Toyota Prius $138 $160 $380 $814
2005 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

Finding cheaper rates on auto insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a brief summary of the material that was touched on above.

  • Consumers who require higher levels of liability will pay around $370 per year to increase from a 30/60 limit to higher 250/500 limits
  • Teenage drivers are charged the highest rates, with premiums being up to $389 each month if full coverage is included
  • Drivers that tend to have accidents or serious violations pay on average $1,470 more each year for auto insurance
  • Increasing comprehensive and collision deductibles could save up to $525 each year

Rates by Driver Age

Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $4,664
20 $2,928
30 $1,336
40 $1,274
50 $1,164
60 $1,144

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,628
$250 $1,464
$500 $1,274
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,274
50/100 $1,342
100/300 $1,426
250/500 $1,646
100 CSL $1,375
300 CSL $1,561
500 CSL $1,697

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $6,664
20 $4,650
30 $2,814
40 $2,748
50 $2,618
60 $2,596

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.

SR-22 Surcharge $176

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $95
5-yr Claim Free $82
Paid in Full/EFT $59
Advance Quote $63
Online Quote $91
Total Discounts $541
Rate after discounts $733

Discounts are estimated and may not be available from every company or in every state.

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