Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,268 a year for full coverage insurance. Comprehensive costs an estimated $284 a year, collision insurance costs $494, and liability insurance costs $354. A policy with just liability insurance costs as little as $406 a year, and coverage for high-risk drivers costs around $2,738. Teenage drivers pay the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Price estimates broken down by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split 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

Your location has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why it is important to compare rates for a targeted area and risk profile, rather than relying on average rates.

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 other coverage scenarios.

• The best discount rate is $727
• Drivers who choose higher $1,000 deductibles will pay approximately $1,092 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,268
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,612
• High risk drivers who are prone to accidents and violations could pay up to $2,738
• The price for full coverage for a teen driver can cost as much as $4,670 a year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

The state you live in makes a big difference in Toyota Prius insurance rates. A 40-year-old driver could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $520 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit

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

How to Find Cheaper Toyota Prius Insurance

Getting lower rates on Toyota Prius insurance not only requires having a decent driving record, but also maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a condensed summary of the car insurance concepts covered in the above illustrations.

• High-risk drivers with multiple at-fault accidents pay on average $1,470 more annually than a driver with a clean driving record
• It is possible to save approximately $150 per year just by quoting early and online
• Increasing physical damage deductibles can save around $525 each year
• Drivers who want additional liability coverage will pay an extra $390 annually to go from a low limit to 250/500 limits