Toyota Prius Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance rates for a Toyota Prius are $968 a year for full coverage. Comprehensive insurance costs approximately $182, collision costs $244, and liability insurance costs around $406. Liability-only insurance costs as low as $450 a year, with high-risk driver insurance costing $2,076 or more. Teen drivers cost the most to insure at $3,780 a year or more.
Average premium for full coverage: $968
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Prius trim levels.
Price Range Variability
For a driver in their 40's, Toyota Prius insurance rates go from the low end price of $450 for the bare minimum liability coverage to a much higher rate of $2,076 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas.
The price range example below illustrates how location helps determine auto insurance prices.
The examples above show why anyone shopping for car insurance should compare prices using their specific location, 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 Information
The chart below shows estimated Toyota Prius insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $581
- Using higher $1,000 deductibles will save $98 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $968
- Choosing more expensive low deductibles for physical damage coverage will cost an additional $184 a year
- Drivers with multiple violations and an at-fault accident could pay around $2,076 or more
- Policy cost that insures a teen driver with full coverage can cost $3,780 or more
Auto insurance rates for a Toyota Prius also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 127% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $3,700 a year. View Rates by Age
Your home state has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see rates as low as $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,380 on average in New York, Louisiana, 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% |
Choosing high deductibles could cut rates by as much as $290 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $366 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates will be varied.
| 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 Find the Best Toyota Prius Insurance
Finding cheaper rates on Toyota Prius insurance requires avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Shop around at every other renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.
The points below are a brief recap of the concepts that were covered in the charts and tables above.
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,110 more per year to insure a Toyota Prius
- Drivers under the age of 20 have the highest car insurance rates, costing up to $315 each month if the policy includes full coverage
- Drivers can save around $110 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $275 each year
- Drivers can save around $110 per year simply by shopping early and online
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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