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Toyota Prius Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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The average Toyota Prius insurance costs drivers $1,306 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. For example, Toyota Prius insurance rates for a 10 years old Prius will be more affordable than the newest model.

In order to help you secure a cheap Toyota Prius insurance policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally answer the question, “Are Priuses cheap to insure?” for yourself.

You can even start comparing quotes from multiple companies by entering your ZIP code into our free tool.

Average insurance rates for a Toyota Prius are $1,286 a year for full coverage. Comprehensive insurance costs an estimated $306, collision costs $512, and liability insurance is $332. A policy with just liability insurance costs around $388 a year, with coverage for high-risk drivers costing $2,762 or more. Teens receive the highest rates at $4,662 a year or more.

Average premium for full coverage: $1,286

Rate estimates broken down by individual coverage type:

Comprehensive $306
Collision $512
Liability $332

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 $388 for just liability coverage to a much higher rate of $2,762 for a policy for a high-risk driver.

Liability Only $388
Full Coverage $1,286
High Risk $2,762

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.

Rural Areas $965
Small Cities $1,350
Large Cities $1,736

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below shows estimated Toyota Prius insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $739
  • Raising to $1,000 deductibles will save approximately $186 a year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,286
  • Selecting more expensive low deductibles will cost an additional $358 a year
  • Higher-risk drivers with serious driving violations could pay up to $2,762 or more
  • The cost that insures a teen driver with full coverage can cost as much as $4,662

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing full coverage Toyota Prius insurance prices range from $739 to $4,662

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 $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 130% 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 $1,200 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 $4,600 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 $850 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,830 on average in New York, Louisiana, and Michigan.

Toyota Prius Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,162 -$124 -9.6%
Alaska $986 -$300 -23.3%
Arizona $1,064 -$222 -17.3%
Arkansas $1,286 -$0 0.0%
California $1,464 $178 13.8%
Colorado $1,224 -$62 -4.8%
Connecticut $1,320 $34 2.6%
Delaware $1,450 $164 12.8%
Florida $1,604 $318 24.7%
Georgia $1,188 -$98 -7.6%
Hawaii $922 -$364 -28.3%
Idaho $870 -$416 -32.3%
Illinois $954 -$332 -25.8%
Indiana $970 -$316 -24.6%
Iowa $868 -$418 -32.5%
Kansas $1,220 -$66 -5.1%
Kentucky $1,752 $466 36.2%
Louisiana $1,900 $614 47.7%
Maine $794 -$492 -38.3%
Maryland $1,062 -$224 -17.4%
Massachusetts $1,024 -$262 -20.4%
Michigan $2,230 $944 73.4%
Minnesota $1,076 -$210 -16.3%
Mississippi $1,538 $252 19.6%
Missouri $1,140 -$146 -11.4%
Montana $1,380 $94 7.3%
Nebraska $1,012 -$274 -21.3%
Nevada $1,540 $254 19.8%
New Hampshire $924 -$362 -28.1%
New Jersey $1,436 $150 11.7%
New Mexico $1,136 -$150 -11.7%
New York $1,350 $64 5.0%
North Carolina $738 -$548 -42.6%
North Dakota $1,052 -$234 -18.2%
Ohio $884 -$402 -31.3%
Oklahoma $1,316 $30 2.3%
Oregon $1,176 -$110 -8.6%
Pennsylvania $1,224 -$62 -4.8%
Rhode Island $1,712 $426 33.1%
South Carolina $1,164 -$122 -9.5%
South Dakota $1,084 -$202 -15.7%
Tennessee $1,124 -$162 -12.6%
Texas $1,550 $264 20.5%
Utah $950 -$336 -26.1%
Vermont $878 -$408 -31.7%
Virginia $768 -$518 -40.3%
Washington $990 -$296 -23.0%
West Virginia $1,178 -$108 -8.4%
Wisconsin $888 -$398 -30.9%
Wyoming $1,146 -$140 -10.9%

View Chart as Image

Toyota Prius insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $550 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 $299 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.

Toyota Prius Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Prius $306 $512 $332 $1,286
2019 Toyota Prius $294 $506 $338 $1,274
2018 Toyota Prius $284 $494 $354 $1,268
2017 Toyota Prius $274 $474 $364 $1,248
2016 Toyota Prius $260 $458 $376 $1,230
2015 Toyota Prius $250 $424 $384 $1,194
2014 Toyota Prius $240 $400 $388 $1,164
2013 Toyota Prius $230 $358 $390 $1,114
2012 Toyota Prius $214 $330 $390 $1,070
2011 Toyota Prius $206 $310 $394 $1,046
2010 Toyota Prius $202 $288 $402 $1,028
2009 Toyota Prius $186 $268 $402 $992
2008 Toyota Prius $182 $244 $406 $968
2007 Toyota Prius $170 $222 $402 $930
2006 Toyota Prius $160 $202 $402 $900
2005 Toyota Prius $154 $182 $398 $870
2004 Toyota Prius $152 $178 $390 $856
2003 Toyota Prius $150 $168 $384 $838
2002 Toyota Prius $138 $160 $380 $814
2001 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 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 $160 per year simply by shopping early and online
  • Increasing deductibles can save approximately $550 each year
  • Teenage drivers are expensive to insure, costing as high as $389 per month if comprehensive and collision insurance is included
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,480 more annually for auto insurance

Now that you have a better understanding of how Toyota Prius car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Toyota Prius insurance costs from multiple companies.

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What are the safety ratings of the Toyota Prius?

The Toyota Prius safety ratings are important to know because positive scores translate to lower insurance rates. 

Take a look at the Toyota Prius’ crash test ratings as determined by the Insurance Insitute for Highway Safety (IIHS).

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Acceptable
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

These results indicate that the Toyota Prius received the highest mark possible in every crash test with the exception of the small overlap front on the passenger’s side. That’s very impressive for a small sedan like the Prius.

Toyota Prius Compared Against Other Vehicles in the Same Class

Since the IIHS classifies the Toyota Prius as a small four-door sedan, there is plenty of competition in this vehicle segment. 

Take a look at the following models that are comparable to the Toyota Prius to see what average insurance rates look like:

While the preceding three sedans also show favorable insurance rates, the Toyota Prius reflects a bodily injury loss percentage of -1 percent and a property damage loss percentage of -11 percent. Both are considered above average for this vehicle class.

We have uncovered a lot of information about the Toyota Prius, so is there anything we might’ve missed? If not, start comparing Toyota Prius insurance rates from multiple companies by using our free online quote tool.

Rates by Driver Age

Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $4,662
20 $2,936
30 $1,346
40 $1,286
50 $1,170
60 $1,150

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,644
$250 $1,480
$500 $1,286
$1,000 $1,100

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,286
50/100 $1,352
100/300 $1,435
250/500 $1,651
100 CSL $1,386
300 CSL $1,568
500 CSL $1,701

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $6,666
20 $4,666
30 $2,832
40 $2,762
50 $2,632
60 $2,606

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 $69
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $96
5-yr Claim Free $83
Paid in Full/EFT $60
Advance Quote $64
Online Quote $92
Total Discounts $547
Rate after discounts $739

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

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