Toyota Prius Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 30, 2024
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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:
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.
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.
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
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.
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% |
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,628 |
$250 | $1,464 |
$500 | $1,274 |
$1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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