Toyota Prius Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance prices for a Toyota Prius are $968 every 12 months including full coverage. Comprehensive costs an estimated $182, collision costs $244, and liability is $406. Liability-only coverage costs around $450 a year, with high-risk coverage costing around $2,076. Teenage drivers pay the highest rates at $3,780 a year or more.
Average premium for full coverage: $968
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Prius models.
Price Range from Low to High
For an average driver, Toyota Prius insurance prices go from the cheapest price of $450 for just liability coverage to the much higher price of $2,076 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities.
The example below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why everyone should compare rates quotes for a targeted area and their own driving history, instead of using average rates.
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 estimated Toyota Prius insurance rates for other coverage scenarios.
- The best discount rate is $581
- Raising to $1,000 deductibles will save approximately $98 every year
- The average price for the average middle-age driver who has $500 deductibles is $968
- Using pricier low deductibles increases the price to $1,152
- At-risk drivers who are prone to accidents and violations could pay up to $2,076 or more
- The price to insure a teen driver for full coverage can cost as much as $3,780
Auto insurance prices for a Toyota Prius are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles can reduce prices by up to $290 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $366 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $3,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,100 to $1,600 in extra premium each year, depending on your age. Toyota Prius insurance for high-risk drivers is expensive and can cost as much as 42% to 127% more than a normal policy. View High Risk Driver Rates
The state you live in also has a big influence on Toyota Prius insurance prices. A middle-age driver might find prices as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,380 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $872 | -$96 | -9.9% |
| Alaska | $742 | -$226 | -23.3% |
| Arizona | $802 | -$166 | -17.1% |
| Arkansas | $968 | -$0 | 0.0% |
| California | $1,102 | $134 | 13.8% |
| Colorado | $922 | -$46 | -4.8% |
| Connecticut | $990 | $22 | 2.3% |
| Delaware | $1,094 | $126 | 13.0% |
| Florida | $1,208 | $240 | 24.8% |
| Georgia | $892 | -$76 | -7.9% |
| Hawaii | $694 | -$274 | -28.3% |
| Idaho | $654 | -$314 | -32.4% |
| Illinois | $720 | -$248 | -25.6% |
| Indiana | $730 | -$238 | -24.6% |
| Iowa | $650 | -$318 | -32.9% |
| Kansas | $916 | -$52 | -5.4% |
| Kentucky | $1,318 | $350 | 36.2% |
| Louisiana | $1,430 | $462 | 47.7% |
| Maine | $596 | -$372 | -38.4% |
| Maryland | $796 | -$172 | -17.8% |
| Massachusetts | $770 | -$198 | -20.5% |
| Michigan | $1,676 | $708 | 73.1% |
| Minnesota | $810 | -$158 | -16.3% |
| Mississippi | $1,158 | $190 | 19.6% |
| Missouri | $858 | -$110 | -11.4% |
| Montana | $1,038 | $70 | 7.2% |
| Nebraska | $762 | -$206 | -21.3% |
| Nevada | $1,158 | $190 | 19.6% |
| New Hampshire | $698 | -$270 | -27.9% |
| New Jersey | $1,082 | $114 | 11.8% |
| New Mexico | $856 | -$112 | -11.6% |
| New York | $1,018 | $50 | 5.2% |
| North Carolina | $556 | -$412 | -42.6% |
| North Dakota | $792 | -$176 | -18.2% |
| Ohio | $666 | -$302 | -31.2% |
| Oklahoma | $990 | $22 | 2.3% |
| Oregon | $884 | -$84 | -8.7% |
| Pennsylvania | $920 | -$48 | -5.0% |
| Rhode Island | $1,288 | $320 | 33.1% |
| South Carolina | $876 | -$92 | -9.5% |
| South Dakota | $816 | -$152 | -15.7% |
| Tennessee | $846 | -$122 | -12.6% |
| Texas | $1,164 | $196 | 20.2% |
| Utah | $714 | -$254 | -26.2% |
| Vermont | $660 | -$308 | -31.8% |
| Virginia | $580 | -$388 | -40.1% |
| Washington | $746 | -$222 | -22.9% |
| West Virginia | $884 | -$84 | -8.7% |
| Wisconsin | $666 | -$302 | -31.2% |
| Wyoming | $860 | -$108 | -11.2% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota Prius | $274 | $474 | $364 | $1,248 |
| 2018 Toyota Prius | $250 | $424 | $384 | $1,194 |
| 2017 Toyota Prius | $240 | $400 | $388 | $1,164 |
| 2016 Toyota Prius | $230 | $358 | $390 | $1,114 |
| 2015 Toyota Prius | $214 | $330 | $390 | $1,070 |
| 2014 Toyota Prius | $206 | $310 | $394 | $1,046 |
| 2013 Toyota Prius | $202 | $288 | $402 | $1,028 |
| 2012 Toyota Prius | $186 | $268 | $402 | $992 |
| 2011 Toyota Prius | $182 | $244 | $406 | $968 |
| 2010 Toyota Prius | $170 | $222 | $402 | $930 |
| 2009 Toyota Prius | $160 | $202 | $402 | $900 |
| 2008 Toyota Prius | $154 | $182 | $398 | $870 |
| 2007 Toyota Prius | $152 | $178 | $390 | $856 |
| 2006 Toyota Prius | $150 | $168 | $384 | $838 |
| 2005 Toyota Prius | $138 | $160 | $380 | $814 |
| 2004 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 Shop for Cheaper Toyota Prius Insurance
Getting lower rates on car insurance consists of being safe and accident-free, having a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below you'll find a condensed summary of the ideas that were covered in the above illustrations.
- Youthful drivers are the costliest to insure, possibly costing $315 a month if comprehensive and collision insurance is included
- Higher risk drivers with multiple at-fault accidents may have to pay on average $1,110 more annually than a low-risk driver
- Increasing physical damage deductibles could save as much as $275 each year
- You may be able to save approximately $110 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,780 |
| 20 | $2,200 |
| 30 | $990 |
| 40 | $968 |
| 50 | $886 |
| 60 | $868 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,152 |
| $250 | $1,068 |
| $500 | $968 |
| $1,000 | $870 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $968 |
| 50/100 | $1,049 |
| 100/300 | $1,151 |
| 250/500 | $1,415 |
| 100 CSL | $1,090 |
| 300 CSL | $1,313 |
| 500 CSL | $1,476 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,346 |
| 20 | $3,502 |
| 30 | $2,102 |
| 40 | $2,076 |
| 50 | $1,980 |
| 60 | $1,960 |
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 | $50 |
| Multi-vehicle | $51 |
| Homeowner | $16 |
| 5-yr Accident Free | $62 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $37 |
| Advance Quote | $43 |
| Online Quote | $67 |
| Total Discounts | $387 |
Discounts are estimated and may not be available from every company or in every state.
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