Toyota Prius Insurance Rates

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:

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

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.

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

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.

View Chart as Image

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.

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.

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:

• Honda Civic
• Hyundai Elantra
• Nissan Sentra

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.