Toyota Prius Insurance Rates

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UPDATED: Mar 30, 2024

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Toyota Prius c insurance

U.S. average insurance prices for a Toyota Prius are $1,274 every 12 months including full coverage. Comprehensive costs an estimated $294, collision costs $506, and liability costs $338. Liability-only coverage costs as little as $394 a year, with high-risk coverage costing around $2,748. Teen drivers pay the highest rates at $4,664 a year or more.

Average premium for full coverage: $1,274

Price estimates broken down by individual coverage:

Comprehensive $294
Collision $506
Liability $338

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Prius trim levels.

Price Range from Low to High

For a driver around age 40, Toyota Prius insurance prices go from the cheapest price of $394 for just liability coverage to a much higher rate of $2,748 for a driver that may need high-risk insurance.

Liability Only $394
Full Coverage $1,274
High Risk $2,748

Geographic Price Range

Your location can make a big difference on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $956
Small Cities $1,338
Large Cities $1,720

The ranges above highlight why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of making a decision based on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below breaks down estimated Toyota Prius insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $733
  • Drivers who choose higher $1,000 deductibles will pay approximately $180 every year
  • The average price for the average middle-age driver who has $500 deductibles is $1,274
  • Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,628
  • Drivers with multiple violations and an at-fault accident could pay up to $2,748 or more
  • The price to insure a 16-year-old driver with full coverage can cost as much as $4,664 a year

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing full coverage Toyota Prius insurance rates range from $733 to $4,664

Auto insurance prices for a Toyota Prius are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles could save up to $540 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have 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 are likely paying $1,500 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance can cost from 43% to 131% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Toyota Prius insurance prices. A 40-year-old driver could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,820 on average in Louisiana, New York, and Michigan.

Toyota Prius Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,152 -$122 -9.6%
Alaska $978 -$296 -23.2%
Arizona $1,058 -$216 -17.0%
Arkansas $1,274 -$0 0.0%
California $1,454 $180 14.1%
Colorado $1,216 -$58 -4.6%
Connecticut $1,308 $34 2.7%
Delaware $1,442 $168 13.2%
Florida $1,594 $320 25.1%
Georgia $1,178 -$96 -7.5%
Hawaii $918 -$356 -27.9%
Idaho $866 -$408 -32.0%
Illinois $950 -$324 -25.4%
Indiana $962 -$312 -24.5%
Iowa $858 -$416 -32.7%
Kansas $1,212 -$62 -4.9%
Kentucky $1,740 $466 36.6%
Louisiana $1,888 $614 48.2%
Maine $788 -$486 -38.1%
Maryland $1,052 -$222 -17.4%
Massachusetts $1,018 -$256 -20.1%
Michigan $2,212 $938 73.6%
Minnesota $1,068 -$206 -16.2%
Mississippi $1,528 $254 19.9%
Missouri $1,132 -$142 -11.1%
Montana $1,368 $94 7.4%
Nebraska $1,004 -$270 -21.2%
Nevada $1,528 $254 19.9%
New Hampshire $920 -$354 -27.8%
New Jersey $1,424 $150 11.8%
New Mexico $1,128 -$146 -11.5%
New York $1,342 $68 5.3%
North Carolina $736 -$538 -42.2%
North Dakota $1,044 -$230 -18.1%
Ohio $878 -$396 -31.1%
Oklahoma $1,308 $34 2.7%
Oregon $1,168 -$106 -8.3%
Pennsylvania $1,216 -$58 -4.6%
Rhode Island $1,700 $426 33.4%
South Carolina $1,156 -$118 -9.3%
South Dakota $1,076 -$198 -15.5%
Tennessee $1,116 -$158 -12.4%
Texas $1,536 $262 20.6%
Utah $944 -$330 -25.9%
Vermont $872 -$402 -31.6%
Virginia $764 -$510 -40.0%
Washington $986 -$288 -22.6%
West Virginia $1,168 -$106 -8.3%
Wisconsin $880 -$394 -30.9%
Wyoming $1,136 -$138 -10.8%

View Chart as Image

Toyota Prius insurance rates by U.S. city

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from multiple companies. Every company uses a different rate calculation, and quoted prices may be quite different.

Toyota Prius Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Prius $306 $512 $332 $1,286
2023 Toyota Prius $294 $506 $338 $1,274
2022 Toyota Prius $284 $494 $354 $1,268
2021 Toyota Prius $274 $474 $364 $1,248
2020 Toyota Prius $260 $458 $376 $1,230
2019 Toyota Prius $250 $424 $384 $1,194
2018 Toyota Prius $240 $400 $388 $1,164
2017 Toyota Prius $230 $358 $390 $1,114
2016 Toyota Prius $214 $330 $390 $1,070
2015 Toyota Prius $206 $310 $394 $1,046
2014 Toyota Prius $202 $288 $402 $1,028
2013 Toyota Prius $186 $268 $402 $992
2012 Toyota Prius $182 $244 $406 $968
2011 Toyota Prius $170 $222 $402 $930
2010 Toyota Prius $160 $202 $402 $900
2009 Toyota Prius $154 $182 $398 $870
2008 Toyota Prius $152 $178 $390 $856
2007 Toyota Prius $150 $168 $384 $838
2006 Toyota Prius $138 $160 $380 $814
2005 Toyota Prius $132 $152 $376 $796

Rates are averaged for all Toyota Prius models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Right Toyota Prius Insurance

Getting lower rates on insurance for a Toyota Prius not only requires being safe and accident-free, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a quick rundown of the data that was covered above.

  • You may be able to save approximately $150 per year simply by shopping early and online
  • Insureds who want more liability protection will pay about $370 per year to go from a low limit to a 250/500 level
  • Youthful drivers are the costliest to insure, possibly costing $389 a month if comprehensive and collision insurance is included
  • Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,470 more annually than a low-risk driver

Rates by Driver Age

Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $4,664
20 $2,928
30 $1,336
40 $1,274
50 $1,164
60 $1,144

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,628
$250 $1,464
$500 $1,274
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,274
50/100 $1,342
100/300 $1,426
250/500 $1,646
100 CSL $1,375
300 CSL $1,561
500 CSL $1,697

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $6,664
20 $4,650
30 $2,814
40 $2,748
50 $2,618
60 $2,596

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $176

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $95
5-yr Claim Free $82
Paid in Full/EFT $59
Advance Quote $63
Online Quote $91
Total Discounts $541
Rate after discounts $733

Discounts are estimated and may not be available from every company or in every state.

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