Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,268 a year including full coverage. Comprehensive costs around $284 each year, collision insurance costs $494, and liability is estimated at $354. A liability-only policy costs approximately $406 a year, and high-risk insurance costs around $2,738. Teenage drivers cost the most to insure at up to $4,670 a year.

Average premium for full coverage: $1,268

Policy rates for type of insurance:

Includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Prius models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why all drivers should get quotes for a specific zip code, instead of making a decision based on average rates.

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

More Rate Information

The chart below breaks down average Toyota Prius insurance rates for additional coverage choices and driver risks.

• The best discount rate is $727
• Choosing higher $1,000 deductibles can save about $176 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,268
• Using low deductibles for comp and collision coverage bumps up the cost to $1,612
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,738
• Policy cost that insures a 16-year-old driver can be $4,670 each year

View Chart as Image

Car insurance rates for a Toyota Prius also range considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers ranges from 45% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Prius insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,810 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $520 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Toyota Prius Insurance

Finding cheaper rates on insurance for a Toyota Prius takes being safe and accident-free, having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare prices every year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a recap of the coverage data raised in the charts and tables above.

• You may be able to save up to $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Youthful drivers are the costliest to insure, with premiums being up to $389 each month if full coverage is purchased
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,470 more every year than a low-risk driver