Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,268 a year for full coverage insurance. Comprehensive insurance costs on average $284 a year, collision insurance costs $494, and liability is $354. Buying just liability costs around $406 a year, and insurance for high-risk drivers costs $2,738 or more. Teen drivers pay the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Price estimates by individual coverage:

Prices include $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Prius trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates how location helps determine car insurance rates.

The ranges above illustrate why it is important to compare rates quotes based on a specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates average Toyota Prius insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $727
• Raising to $1,000 deductibles will save around $1,092 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,268
• Choosing low $100 deductibles will cost an extra $344 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,738
• The price for full coverage for a 16-year-old driver may cost $4,670

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Insurance prices for a Toyota Prius are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

The state you live in also has a big influence on Toyota Prius insurance prices. A middle-age driver might find prices as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,710 on average in Michigan, New York, and Florida.

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Choosing high deductibles can reduce prices by up to $520 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 132% more than average. View High Risk Driver Rates

How to Find the Right Toyota Prius Insurance

Getting lower rates on insurance for a Toyota Prius consists of having a good driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates at every policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a quick rundown of the data covered in the charts and tables above.

• Insureds who require increased levels of liability coverage will pay about $390 annually to raise from a low limit to 250/500 limits
• It is possible to save as much as $150 per year just by quoting early and online
• Increasing physical damage deductibles can save around $525 each year
• Drivers age 20 and younger pay higher prices, as much as $389 a month including comprehensive and collision insurance