Toyota Prius Insurance Rates

The average auto insurance rates for a Toyota Prius are $1,268 annually for full coverage. Comprehensive insurance costs around $284 a year, collision insurance costs $494, and liability costs around $354. Liability-only insurance costs as low as $406 a year, and high-risk driver insurance costs $2,738 or more. Teen drivers cost the most to insure at up to $4,670 a year.

Average premium for full coverage: $1,268

Policy rates for type of insurance:

Includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below shows average Toyota Prius insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $727
• Using higher $1,000 deductibles will save about $1,092 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,268
• Choosing low $100 deductibles for physical damage coverage costs an additional $344 annually
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,738
• Policy cost with full coverage for a 16-year-old driver can be $4,670 or more

View Chart as Image

Auto insurance rates for a Toyota Prius also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 45% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $520 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,810 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Cheapest Toyota Prius Insurance

Finding cheaper rates on insurance for a Toyota Prius requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a recap of the coverage data touched on in this article.

• Drivers can save up to $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Drivers under the age of 20 are expensive to insure, costing up to $389 each month if full coverage is included
• Drivers considered higher risk that have major violations or accidents pay an average of $1,470 more every year to insure a Toyota Prius