Toyota Prius Insurance Rates
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UPDATED: Jun 4, 2023
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Average auto insurance rates for a Toyota Prius are $968 annually including full coverage. Comprehensive insurance costs an estimated $182 each year, collision costs $244, and liability insurance is estimated at $406. A policy with just liability insurance costs approximately $450 a year, with coverage for high-risk drivers costing $2,076 or more. Teen drivers receive the highest rates at $3,780 a year or more.
Average premium for full coverage: $968
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Prius models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $450 for minimum levels of liability insurance to a high rate of $2,076 for a high-risk insurance policy.
Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than larger metro areas.
The graphic below illustrates how geographic area affects insurance prices.
These examples highlight why all drivers should get quotes for a targeted area and their own personal driving habits, rather than relying 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.
Additional Rate Details
The chart below breaks down estimated Toyota Prius insurance rates for other coverage scenarios.
- The lowest rate with discounts is $581
- Choosing higher $1,000 deductibles can save approximately $98 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $968
- Choosing low deductibles for comp and collision coverage costs an additional $184 a year
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,076 or more
- The cost with full coverage for a teen driver can cost as much as $3,780 each year
Insurance rates for a Toyota Prius can also vary considerably based on the trim level of your Prius, your driving characteristics, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $3,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,100 to $1,600 additional per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $290 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $366 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or 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% |
With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and rates can be significantly different between companies.
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 Buy the Best Toyota Prius Insurance
Saving money on Toyota Prius insurance takes being safe and accident-free, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at least every other year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below you'll find a brief recap of the car insurance concepts presented in the illustrations above.
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,110 more annually than a low-risk driver
- You may be able to save approximately $110 per year simply by quoting online in advance
- Increasing deductibles could save up to $275 each year
- Drivers who want more liability protection will pay about $450 per year to raise limits from a minimum limit to higher 250/500 limits
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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