Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,274 every 12 months with full coverage. Comprehensive costs approximately $294, collision insurance costs $506, and liability is estimated at $338. Liability-only coverage costs approximately $394 a year, and high-risk coverage costs around $2,748. 16-year-old drivers cost the most to insure at up to $4,664 a year.

Average premium for full coverage: $1,274

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Prius models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than congested cities. The example below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why everyone should get quotes using their specific location and their own driving history, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $733
• Choosing higher $1,000 deductibles can save $180 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,274
• Buying pricier low deductibles for comp and collision coverage increases the price to $1,628
• Unlucky drivers with multiple tickets or accidents could pay around $2,748
• Policy cost to insure a teen driver for full coverage can cost $4,664 each year

View Chart as Image

Insurance rates for a Toyota Prius also range considerably based on liability limits and deductibles, your driving record, and the model of your Prius.

Opting for high physical damage deductibles can save as much as $540 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,000 additional every year, depending on your age. Toyota Prius insurance for high-risk drivers ranges as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Toyota Prius insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or at least $1,720 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for Low Cost Toyota Prius Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at least once a year by getting rate quotes from direct companies, and also from insurance agencies where you live.

The items below are a review of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $150 per year just by quoting online well ahead of the renewal date
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,470 more per year to insure their Prius
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Teen drivers are the costliest to insure, as much as $389 each month if full coverage is included