Toyota Prius Insurance Rates

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UPDATED: Mar 30, 2024

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Toyota Prius c insurance

Average insurance rates for a Toyota Prius are $1,274 a year for full coverage insurance. Comprehensive insurance costs on average $294, collision costs $506, and liability insurance is $338. Buying just liability costs around $394 a year, with insurance for high-risk drivers costing $2,748 or more. Teenage drivers receive the highest rates at $4,664 a year or more.

Average premium for full coverage: $1,274

Rate estimates by individual coverage type:

Comprehensive $294
Collision $506
Liability $338

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Prius trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from as low as $394 for just liability insurance to a much higher rate of $2,748 for a policy for a high-risk driver.

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

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects car insurance rates.

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

These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than relying on 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.

More Rate Details

The chart below illustrates estimated Toyota Prius insurance rates for different risk profiles and scenarios.

  • The best discount rate is $733
  • Raising to $1,000 deductibles will save around $180 each year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,274
  • Using more expensive low deductibles will cost an extra $354 a year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,748 or more
  • The cost for full coverage for a teen driver with full coverage may cost $4,664

View Chart as Image

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

Auto insurance rates for a Toyota Prius can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

An older driver with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

Where you live also has a big influence on Toyota Prius insurance rates. A middle-age driver might find rates as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,720 on average in Michigan, New York, and Florida.

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

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

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

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 Find the Best Toyota Prius Insurance

Saving money on Toyota Prius insurance consists of being a good driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every year by getting quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a brief recap of the coverage data presented in the illustrations above.

  • It is possible to save as much as $150 per year simply by shopping early and online
  • Increasing deductibles can save around $525 each year
  • Drivers age 16 to 20 are charged the highest rates, costing up to $389 per month if they have full coverage
  • High-risk drivers who tend to receive serious violations pay an average of $1,470 more each year than a safer driver

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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