Toyota Prius Insurance Rates

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UPDATED: Mar 30, 2024

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Toyota Prius c insurance

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

Average premium for full coverage: $1,268

Rate estimates for individual coverage type:

Comprehensive $284
Collision $494
Liability $354

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Prius trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from the low end price of $406 for basic liability insurance to a much higher rate of $2,738 for a driver required to buy high-risk insurance.

Liability Only $406
Full Coverage $1,268
High Risk $2,738

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance rates.

Rural Areas $951
Small Cities $1,331
Large Cities $1,712

These examples illustrate why anyone shopping for car insurance should get quotes for a specific zip code, rather than using price averages.

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.

Rate Comparisons

The chart below illustrates estimated Toyota Prius insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $727
  • Choosing higher $1,000 deductibles can save about $176 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,268
  • Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $1,612
  • Drivers with multiple violations and an at-fault accident could pay at least $2,738 or more
  • The cost that insures a teenage driver with full coverage can be $4,670 each year

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing full coverage Toyota Prius insurance rates range from $727 to $4,670

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

If you like to drive fast or you caused an accident, you are probably paying at least $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance ranges around 45% to 132% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest 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 plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay 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.

Toyota Prius Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,144 -$124 -9.8%
Alaska $974 -$294 -23.2%
Arizona $1,052 -$216 -17.0%
Arkansas $1,268 -$0 0.0%
California $1,446 $178 14.0%
Colorado $1,210 -$58 -4.6%
Connecticut $1,302 $34 2.7%
Delaware $1,434 $166 13.1%
Florida $1,584 $316 24.9%
Georgia $1,170 -$98 -7.7%
Hawaii $912 -$356 -28.1%
Idaho $860 -$408 -32.2%
Illinois $944 -$324 -25.6%
Indiana $954 -$314 -24.8%
Iowa $854 -$414 -32.6%
Kansas $1,204 -$64 -5.0%
Kentucky $1,728 $460 36.3%
Louisiana $1,876 $608 47.9%
Maine $784 -$484 -38.2%
Maryland $1,046 -$222 -17.5%
Massachusetts $1,012 -$256 -20.2%
Michigan $2,200 $932 73.5%
Minnesota $1,062 -$206 -16.2%
Mississippi $1,518 $250 19.7%
Missouri $1,126 -$142 -11.2%
Montana $1,362 $94 7.4%
Nebraska $998 -$270 -21.3%
Nevada $1,520 $252 19.9%
New Hampshire $912 -$356 -28.1%
New Jersey $1,418 $150 11.8%
New Mexico $1,122 -$146 -11.5%
New York $1,334 $66 5.2%
North Carolina $730 -$538 -42.4%
North Dakota $1,038 -$230 -18.1%
Ohio $874 -$394 -31.1%
Oklahoma $1,300 $32 2.5%
Oregon $1,162 -$106 -8.4%
Pennsylvania $1,208 -$60 -4.7%
Rhode Island $1,690 $422 33.3%
South Carolina $1,150 -$118 -9.3%
South Dakota $1,070 -$198 -15.6%
Tennessee $1,108 -$160 -12.6%
Texas $1,528 $260 20.5%
Utah $938 -$330 -26.0%
Vermont $866 -$402 -31.7%
Virginia $758 -$510 -40.2%
Washington $980 -$288 -22.7%
West Virginia $1,162 -$106 -8.4%
Wisconsin $874 -$394 -31.1%
Wyoming $1,128 -$140 -11.0%

View Chart as Image

Toyota Prius insurance rates by U.S. city

Choosing high deductibles can save as much as $520 a year, while increasing your policy's liability limits will increase rates. Switching 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

With so much variability in rates, the only way to figure out your exact price is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and rates can be significantly different.

Toyota Prius Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Prius $294 $506 $338 $1,274
2023 Toyota Prius $284 $494 $354 $1,268
2022 Toyota Prius $274 $474 $364 $1,248
2021 Toyota Prius $260 $458 $376 $1,230
2020 Toyota Prius $250 $424 $384 $1,194
2019 Toyota Prius $240 $400 $388 $1,164
2018 Toyota Prius $230 $358 $390 $1,114
2017 Toyota Prius $214 $330 $390 $1,070
2016 Toyota Prius $206 $310 $394 $1,046
2015 Toyota Prius $202 $288 $402 $1,028
2014 Toyota Prius $186 $268 $402 $992
2013 Toyota Prius $182 $244 $406 $968
2012 Toyota Prius $170 $222 $402 $930
2011 Toyota Prius $160 $202 $402 $900
2010 Toyota Prius $154 $182 $398 $870
2009 Toyota Prius $152 $178 $390 $856
2008 Toyota Prius $150 $168 $384 $838
2007 Toyota Prius $138 $160 $380 $814
2006 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 Best Cheap Toyota Prius Insurance

Saving money on auto insurance takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a quick review of the data touched on above.

  • Consumers who may need more liability protection will pay about $390 annually to raise limits from a minimum limit to the 250/500 level
  • It is possible to save up to $150 per year simply by shopping early and online
  • Increasing deductibles can save approximately $525 each year
  • Youthful drivers are charged the highest rates, costing up to $389 per month if comprehensive and collision insurance is included

Rates by Driver Age

Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $4,670
20 $2,914
30 $1,326
40 $1,268
50 $1,158
60 $1,136

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,612
$250 $1,454
$500 $1,268
$1,000 $1,092

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,268
50/100 $1,339
100/300 $1,427
250/500 $1,657
100 CSL $1,374
300 CSL $1,569
500 CSL $1,711

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $6,674
20 $4,634
30 $2,804
40 $2,738
50 $2,608
60 $2,584

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 $68
Multi-vehicle $66
Homeowner $18
5-yr Accident Free $94
5-yr Claim Free $82
Paid in Full/EFT $59
Advance Quote $63
Online Quote $91
Total Discounts $541
Rate after discounts $727

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

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