Toyota Prius Insurance Rates

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

Average premium for full coverage: $1,268

Policy rates broken down by type of insurance:

Prices include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Prius models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The example below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why everyone should compare rates quotes for a targeted area, rather than using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $727
• Raising to $1,000 deductibles will save approximately $176 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,268
• Choosing pricier low deductibles bumps up the cost to $1,612
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,738
• Policy cost that insures a teenage driver for full coverage can cost as much as $4,670

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,100 in extra premium every year, depending on your age. Toyota Prius insurance for high-risk drivers is expensive and can cost around 45% to 132% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $4,600 a year. View Rates by Age

Your home state also has a big influence on Toyota Prius insurance rates. A middle-age driver might find rates as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $520 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

How to Find the Right Toyota Prius Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Shop around once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below is a quick rundown of the data that was covered in the above illustrations.

• It is possible to save approximately $150 per year just by quoting online well ahead of the renewal date
• Consumers who want higher levels of liability will pay about $390 annually to raise from a 30/60 limit to the 250/500 level
• Teenage drivers are the costliest to insure, possibly costing $389 each month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions may have to pay on average $1,470 more annually for auto insurance