Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year with full coverage. Comprehensive insurance costs approximately $284 each year, collision insurance costs $494, and liability coverage costs $354. A liability-only policy costs as little as $406 a year, and high-risk insurance costs $2,738 or more. 16-year-old drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates by individual coverage type:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Prius models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than congested cities. The graphic below illustrates the difference location can make on auto insurance prices.

These examples demonstrate why all drivers should compare rates using their specific location and risk profile, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $727
• Drivers who choose higher $1,000 deductibles will pay $176 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,268
• Buying low deductibles for comprehensive and collision insurance will cost an extra $344 each year
• High-risk insureds with multiple tickets or accidents could pay around $2,738
• The cost for full coverage for a teenage driver can cost $4,670 a year

View Chart as Image

Insurance rates for a Toyota Prius can also vary considerably based on your driver profile, the trim level and model year, 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. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live makes a big difference in Toyota Prius insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or at least $1,710 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $520 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $318 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost around 45% to 132% more than the average rate. View High Risk Driver Rates

How to Find Cheaper Toyota Prius Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates at least every other year by getting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

Below is a condensed summary of the car insurance concepts touched on in this article.

• Drivers with multiple at-fault accidents pay on average $1,470 more per year for auto insurance
• You may be able to save around $150 per year just by quoting online in advance
• Increasing deductibles can save around $525 each year
• Consumers who purchase higher levels of liability will pay around $390 every year to go from a minimum limit to 250/500 limits