Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,274 a year for full coverage. Comprehensive costs approximately $294 each year, collision insurance costs $506, and liability coverage costs $338. A policy with just liability insurance costs as little as $394 a year, and coverage for high-risk drivers costs around $2,748. Teen drivers pay the highest rates at up to $4,664 a year.

Average premium for full coverage: $1,274

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Prius models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural locations have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance prices.

The ranges above show why all drivers should compare rates using their specific location and risk profile, rather than using price averages.

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

Additional Rate Analysis

The chart below shows average Toyota Prius insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $733
• Drivers who choose higher $1,000 deductibles will pay $180 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,274
• Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,628
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,748
• The price for full coverage for a teenage driver can cost $4,664 a year

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $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 $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $540 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than average. View High Risk Driver Rates

How to Find More Affordable Toyota Prius Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a summary of the coverage data touched on in the above illustrations.

• Drivers can save around $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $525 each year
• Drivers under the age of 20 are expensive to insure, with premiums as much as $389 a month for full coverage
• Drivers who have multiple accidents or major violations may pay on average $1,470 more per year to insure a Toyota Prius