Toyota Prius Insurance Rates

Average auto insurance rates for a Toyota Prius are $1,274 annually for full coverage. Comprehensive insurance costs on average $294 a year, collision insurance costs $506, and liability is $338. A liability-only policy costs around $394 a year, and high-risk insurance costs $2,748 or more. Teenage drivers receive the highest rates at up to $4,664 a year.

Average premium for full coverage: $1,274

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured 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 car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities. The diagram below illustrates how where you live affects car insurance rates.

These examples show why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $733
• Raising to $1,000 deductibles will save around $1,094 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,274
• Using low $100 deductibles costs an additional $354 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,748
• The cost with full coverage for a teen driver may cost $4,664

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,500 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $540 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 more per year. View Rates by Deductible or Liability Limit

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 be forced to pay as much as $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Right Toyota Prius Insurance

Saving money on car insurance consists of being safe and accident-free, having a good credit history, eliminating unneeded coverage, and determing if full coverage is necessary. Take the time to comparison shop at every other renewal by getting price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below you'll find a quick rundown of the concepts that were touched on in the above illustrations.

• Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,470 more each year than a low-risk driver
• Youthful drivers pay the highest rates, costing as high as $389 per month including comprehensive and collision insurance
• Drivers can save as much as $150 per year just by quoting early and online
• Increasing deductibles could save up to $525 each year
• Drivers can save as much as $150 per year just by quoting early and online