Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year including full coverage. Comprehensive insurance costs approximately $284 each year, collision insurance costs $494, and liability coverage costs $354. A policy with just liability insurance costs as little as $406 a year, and coverage for high-risk drivers costs $2,738 or more. Teen 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:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Prius models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance prices.

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

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $727
• Drivers who choose higher $1,000 deductibles will pay $176 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,268
• Choosing low deductibles for comprehensive and collision insurance will cost an extra $344 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,738
• The cost for full coverage for a teenage driver can cost $4,670 a year

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Insurance rates for a Toyota Prius can also vary considerably based on your driver profile, the model of your Prius, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents 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 should be prepared 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 $970 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,810 on average in Louisiana, New York, and Michigan.

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

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

How to Find Low Cost Toyota Prius Insurance

Saving money on auto insurance not only requires having a decent driving record, but also having a good credit history, not filing small claims, and consideration of higher deductibles. Spend time shopping around at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following items are a review of the data touched on above.

• Consumers who purchase additional liability coverage will pay about $390 per year to go from a minimum limit to 250/500 limits
• You may be able to save around $150 per year just by quoting online in advance
• Increasing deductibles can save around $525 each year
• 16 to 18-year-old drivers are the costliest to insure, as much as $389 per month including comprehensive and collision insurance