Toyota Prius Insurance Rates

U.S. average insurance prices for a Toyota Prius are $1,286 every 12 months for full coverage. Comprehensive insurance costs an estimated $306, collision insurance costs $512, and liability insurance is $332. Buying just liability costs around $388 a year, and insurance for high-risk drivers costs $2,762 or more. 16-year-old drivers pay the highest rates at up to $4,662 a year.

Average premium for full coverage: $1,286

Price estimates broken down by individual coverage:

Price estimates include $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different Prius trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations have more infrequent accident claims than congested cities. The price range example below illustrates how geographic area affects insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below shows average Toyota Prius insurance rates for other coverage scenarios.

• The best full coverage rate is $739
• Raising to $1,000 deductibles will save approximately $186 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,286
• Buying more expensive low deductibles costs an extra $358 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,762
• The price to insure a teen driver with full coverage can cost as much as $4,662

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

Opting for high physical damage deductibles can reduce prices by up to $550 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $299 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 130% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Toyota Prius insurance rates. A middle-age driver might find prices as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,830 on average in New York, Louisiana, and Michigan.

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How to Shop for Cheaper Toyota Prius Insurance

Getting lower rates on Toyota Prius insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the material that was presented in the illustrations above.

• Drivers who want higher liability limits will pay around $370 each year to raise from a low limit to a 250/500 level
• Teens are expensive to insure, with premiums as much as $389 a month if full coverage is included
• High-risk drivers with multiple at-fault accidents pay on average $1,480 more annually for Prius insurance
• Increasing physical damage deductibles could save as much as $550 each year