Toyota Prius Insurance Rates
Average insurance rates for a Toyota Prius are $1,220 a year for full coverage. Comprehensive insurance costs an estimated $292, collision costs $486, and liability insurance is $314. A policy with just liability insurance costs around $368 a year, with coverage for high-risk drivers costing $2,624 or more. Teens receive the highest rates at $4,428 a year or more.
Average premium for full coverage: $1,220
Rate estimates broken down by individual coverage type:
Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Prius trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the low end price of $368 for just liability coverage to a much higher rate of $2,624 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. More rural locations tend to have lower incidents of accident claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects insurance prices.
These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
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Detailed Rate Analysis
The chart below shows estimated Toyota Prius insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $701
- Raising to $1,000 deductibles will save approximately $178 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,220
- Selecting more expensive low deductibles will cost an additional $338 a year
- Higher-risk drivers with serious driving violations could pay up to $2,624 or more
- The cost that insures a teen driver with full coverage can cost as much as $4,428
Insurance rates for a Toyota Prius can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 128% more than the average policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,400 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 $870 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,940 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,172 | -$48 | -3.9% |
| Alaska | $1,000 | -$220 | -18.0% |
| Arizona | $1,224 | $4 | 0.3% |
| Arkansas | $1,238 | $18 | 1.5% |
| California | $1,372 | $152 | 12.5% |
| Colorado | $1,266 | $46 | 3.8% |
| Connecticut | $1,598 | $378 | 31.0% |
| Delaware | $1,486 | $266 | 21.8% |
| Florida | $1,644 | $424 | 34.8% |
| Georgia | $1,210 | -$10 | -0.8% |
| Hawaii | $1,316 | $96 | 7.9% |
| Idaho | $850 | -$370 | -30.3% |
| Illinois | $904 | -$316 | -25.9% |
| Indiana | $870 | -$350 | -28.7% |
| Iowa | $916 | -$304 | -24.9% |
| Kansas | $1,122 | -$98 | -8.0% |
| Kentucky | $1,582 | $362 | 29.7% |
| Louisiana | $1,976 | $756 | 62.0% |
| Maine | $836 | -$384 | -31.5% |
| Maryland | $1,256 | $36 | 3.0% |
| Massachusetts | $1,076 | -$144 | -11.8% |
| Michigan | $2,240 | $1,020 | 83.6% |
| Minnesota | $1,072 | -$148 | -12.1% |
| Mississippi | $1,196 | -$24 | -2.0% |
| Missouri | $1,040 | -$180 | -14.8% |
| Montana | $1,106 | -$114 | -9.3% |
| Nebraska | $1,006 | -$214 | -17.5% |
| Nevada | $1,576 | $356 | 29.2% |
| New Hampshire | $994 | -$226 | -18.5% |
| New Jersey | $1,216 | -$4 | -0.3% |
| New Mexico | $1,130 | -$90 | -7.4% |
| New York | $1,588 | $368 | 30.2% |
| North Carolina | $864 | -$356 | -29.2% |
| North Dakota | $1,188 | -$32 | -2.6% |
| Ohio | $860 | -$360 | -29.5% |
| Oklahoma | $1,482 | $262 | 21.5% |
| Oregon | $1,140 | -$80 | -6.6% |
| Pennsylvania | $1,372 | $152 | 12.5% |
| Rhode Island | $1,482 | $262 | 21.5% |
| South Carolina | $1,136 | -$84 | -6.9% |
| South Dakota | $954 | -$266 | -21.8% |
| Tennessee | $1,096 | -$124 | -10.2% |
| Texas | $1,174 | -$46 | -3.8% |
| Utah | $1,082 | -$138 | -11.3% |
| Vermont | $870 | -$350 | -28.7% |
| Virginia | $878 | -$342 | -28.0% |
| Washington | $1,076 | -$144 | -11.8% |
| West Virginia | $1,240 | $20 | 1.6% |
| Wisconsin | $1,244 | $24 | 2.0% |
| Wyoming | $1,348 | $128 | 10.5% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $282 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Toyota Prius | $292 | $486 | $314 | $1,220 |
| 2016 Toyota Prius | $280 | $482 | $322 | $1,212 |
| 2015 Toyota Prius | $270 | $470 | $336 | $1,204 |
| 2014 Toyota Prius | $260 | $450 | $346 | $1,184 |
| 2013 Toyota Prius | $246 | $434 | $358 | $1,166 |
| 2012 Toyota Prius | $236 | $404 | $364 | $1,132 |
| 2011 Toyota Prius | $228 | $380 | $368 | $1,104 |
| 2010 Toyota Prius | $218 | $340 | $372 | $1,058 |
| 2009 Toyota Prius | $204 | $314 | $372 | $1,018 |
| 2008 Toyota Prius | $196 | $294 | $374 | $992 |
| 2007 Toyota Prius | $192 | $274 | $382 | $976 |
| 2006 Toyota Prius | $178 | $254 | $382 | $942 |
| 2005 Toyota Prius | $172 | $230 | $386 | $916 |
| 2004 Toyota Prius | $160 | $212 | $382 | $882 |
| 2003 Toyota Prius | $152 | $192 | $382 | $854 |
| 2002 Toyota Prius | $146 | $172 | $378 | $824 |
| 2001 Toyota Prius | $144 | $168 | $372 | $812 |
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 Right Toyota Prius Insurance
Saving money on Toyota Prius insurance consists of being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Compare rates every year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a quick rundown of the coverage data raised in the charts and tables above.
- Drivers can save approximately $150 per year simply by shopping early and online
- Increasing deductibles can save approximately $525 each year
- Teenage drivers are expensive to insure, costing as high as $369 per month if comprehensive and collision insurance is included
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,400 more annually for auto insurance
Compare Rates and Save
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Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,428 |
| 20 | $2,790 |
| 30 | $1,278 |
| 40 | $1,220 |
| 50 | $1,112 |
| 60 | $1,090 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,558 |
| $250 | $1,402 |
| $500 | $1,220 |
| $1,000 | $1,042 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,283 |
| 100/300 | $1,361 |
| 250/500 | $1,565 |
| 100 CSL | $1,314 |
| 300 CSL | $1,487 |
| 500 CSL | $1,613 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,330 |
| 20 | $4,432 |
| 30 | $2,688 |
| 40 | $2,624 |
| 50 | $2,498 |
| 60 | $2,474 |
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 | $66 |
| Multi-vehicle | $62 |
| Homeowner | $17 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $57 |
| Advance Quote | $60 |
| Online Quote | $87 |
| Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
