Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive costs around $284 a year, collision insurance costs $494, and liability is $354. A policy with just liability insurance costs around $406 a year, and coverage for high-risk drivers costs around $2,738. Teens receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates for individual coverage type:

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples show why it is important to compare rates quotes for a specific zip code, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $727
• Raising to $1,000 deductibles will save about $1,092 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,268
• Selecting low $100 deductibles bumps up the cost to $1,612
• At-risk drivers with serious driving violations could pay at least $2,738
• The cost that insures a teen driver can be $4,670

View Chart as Image

Insurance rates for a Toyota Prius can also vary considerably based on the trim level of your Prius, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may 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 as much as $4,600 a year. View Rates by Age

Where you live also has a big influence on Toyota Prius insurance prices. A middle-age driver might find rates as low as $840 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,810 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit

How to Find Low Cost Toyota Prius Insurance

Saving money on car insurance consists of being a low-risk driver, having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Compare rates once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a review of the data that was raised in the charts and tables above.

• Drivers can save up to $150 per year just by quoting early and online
• Policyholders who may need more liability coverage will pay approximately $390 each year to raise from a minimum limit to the 250/500 level
• Teen drivers are charged the highest rates, costing as high as $389 per month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations pay on average $1,470 more every year to insure their Prius