Toyota Prius Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Toyota Prius c insurance

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:

Comprehensive $182
Collision $244
Liability $406

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.

Liability Only $450
Full Coverage $968
High Risk $2,076

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.

Rural Areas $726
Small Cities $1,016
Large Cities $1,307

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

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing full coverage Toyota Prius insurance prices range from $581 to $3,780

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.

Toyota Prius Insurance Rates by State
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%

View Chart as Image

Toyota Prius insurance rates by U.S. city

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.

Toyota Prius Insurance Rates by Model Year
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

Rates by Driver Age

Toyota Prius Insurance 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

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,152
$250 $1,068
$500 $968
$1,000 $870

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
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

Toyota Prius Insurance 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.

SR-22 Surcharge $130

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
Rate after discounts $581

Discounts are estimated and may not be available from every company or in every state.

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