Toyota Prius Insurance Rates

U.S. average insurance prices for a Toyota Prius are $1,268 every 12 months for full coverage insurance. Comprehensive insurance costs around $284 a year, collision insurance costs $494, and liability coverage costs around $354. Buying just liability costs as low as $406 a year, and insurance for high-risk drivers costs $2,738 or more. 16-year-old drivers pay the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Price estimates for individual coverage:

Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Prius trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities. The diagram below illustrates how where you live affects auto insurance rates.

The ranges above illustrate why it is important to compare prices for a specific zip code and their own driving history, rather than using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $727
• Using higher $1,000 deductibles will save about $1,092 each year
• The average price for the average middle-age driver using $500 deductibles is $1,268
• Buying low $100 deductibles for physical damage coverage costs an extra $344 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,738
• The price to insure a teenage driver can be $4,670 or more

View Chart as Image

Insurance prices for a Toyota Prius are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

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

Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can be around 45% to 132% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see prices as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for the Cheapest Toyota Prius Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop at every other renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a recap of the concepts that were touched on in the above illustrations.

• Drivers that have major violations or accidents may pay on average $1,470 more every year for auto insurance
• Teenage drivers are charged the highest prices, as much as $389 a month if full coverage is included
• It is possible to save up to $150 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $525 each year
• It is possible to save up to $150 per year just by quoting early and online