Toyota Prius Insurance Rates

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UPDATED: Mar 30, 2024

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Toyota Prius c insurance

Average insurance prices for a Toyota Prius are $1,268 every 12 months with full coverage. Comprehensive costs approximately $284, collision insurance costs $494, and liability costs $354. Buying just liability costs as little as $406 a year, and insurance for high-risk drivers costs around $2,738. Teenage 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:

Comprehensive $284
Collision $494
Liability $354

Rates are based on $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Prius trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from the cheapest price of $406 for just liability coverage to a much higher rate of $2,738 for a driver that may need high-risk insurance.

Liability Only $406
Full Coverage $1,268
High Risk $2,738

Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations tend to have more infrequent collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $951
Small Cities $1,331
Large Cities $1,712

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of using average rates.

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

  • The best discount rate is $727
  • Drivers who choose higher $1,000 deductibles will pay $176 annually
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,268
  • Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,612
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,738
  • The cost to insure a teen driver with full coverage can cost $4,670 a year

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing Toyota Prius insurance rates range from $727 to $4,670 for full coverage

Auto insurance rates for a Toyota Prius can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Prius.

Using high physical damage deductibles could save up to $520 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $318 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

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

Toyota Prius Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,144 -$124 -9.8%
Alaska $974 -$294 -23.2%
Arizona $1,052 -$216 -17.0%
Arkansas $1,268 -$0 0.0%
California $1,446 $178 14.0%
Colorado $1,210 -$58 -4.6%
Connecticut $1,302 $34 2.7%
Delaware $1,434 $166 13.1%
Florida $1,584 $316 24.9%
Georgia $1,170 -$98 -7.7%
Hawaii $912 -$356 -28.1%
Idaho $860 -$408 -32.2%
Illinois $944 -$324 -25.6%
Indiana $954 -$314 -24.8%
Iowa $854 -$414 -32.6%
Kansas $1,204 -$64 -5.0%
Kentucky $1,728 $460 36.3%
Louisiana $1,876 $608 47.9%
Maine $784 -$484 -38.2%
Maryland $1,046 -$222 -17.5%
Massachusetts $1,012 -$256 -20.2%
Michigan $2,200 $932 73.5%
Minnesota $1,062 -$206 -16.2%
Mississippi $1,518 $250 19.7%
Missouri $1,126 -$142 -11.2%
Montana $1,362 $94 7.4%
Nebraska $998 -$270 -21.3%
Nevada $1,520 $252 19.9%
New Hampshire $912 -$356 -28.1%
New Jersey $1,418 $150 11.8%
New Mexico $1,122 -$146 -11.5%
New York $1,334 $66 5.2%
North Carolina $730 -$538 -42.4%
North Dakota $1,038 -$230 -18.1%
Ohio $874 -$394 -31.1%
Oklahoma $1,300 $32 2.5%
Oregon $1,162 -$106 -8.4%
Pennsylvania $1,208 -$60 -4.7%
Rhode Island $1,690 $422 33.3%
South Carolina $1,150 -$118 -9.3%
South Dakota $1,070 -$198 -15.6%
Tennessee $1,108 -$160 -12.6%
Texas $1,528 $260 20.5%
Utah $938 -$330 -26.0%
Vermont $866 -$402 -31.7%
Virginia $758 -$510 -40.2%
Washington $980 -$288 -22.7%
West Virginia $1,162 -$106 -8.4%
Wisconsin $874 -$394 -31.1%
Wyoming $1,128 -$140 -11.0%

View Chart as Image

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

Saving money on car insurance not only requires having a good driving record, but also having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Take the time to compare rates once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a quick review of the data that was covered in the above illustrations.

  • You may be able to save around $150 per year just by shopping early and online
  • Policyholders who purchase increased levels of liability coverage will pay an extra $390 every year to go from a minimum limit to a 250/500 level
  • Drivers age 20 and younger have the highest car insurance rates, with premiums as much as $389 per month if comprehensive and collision insurance is included
  • Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,470 more per year to buy Toyota Prius insurance

Rates by Driver Age

Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $4,670
20 $2,914
30 $1,326
40 $1,268
50 $1,158
60 $1,136

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,612
$250 $1,454
$500 $1,268
$1,000 $1,092

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,268
50/100 $1,339
100/300 $1,427
250/500 $1,657
100 CSL $1,374
300 CSL $1,569
500 CSL $1,711

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $6,674
20 $4,634
30 $2,804
40 $2,738
50 $2,608
60 $2,584

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 $66
Homeowner $18
5-yr Accident Free $94
5-yr Claim Free $82
Paid in Full/EFT $59
Advance Quote $63
Online Quote $91
Total Discounts $541
Rate after discounts $727

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

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