Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,268 a year with full coverage. Comprehensive costs around $284 a year, collision insurance costs $494, and liability insurance costs $354. Liability-only coverage costs as little as $406 a year, and high-risk coverage costs around $2,738. 16-year-old 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:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities. The diagram below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why it is important to compare rates for a specific zip code and risk profile, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $727
• Drivers who choose higher $1,000 deductibles will pay about $1,092 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,268
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,612
• High risk drivers with multiple tickets or accidents could pay at least $2,738
• Policy cost for full coverage for a teen driver can be $4,670 a year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $4,600 a year. View Rates by Age

Your home state makes a big difference in Toyota Prius insurance rates. A 40-year-old driver could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or at least $1,710 on average in Florida, Michigan, and New York.

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Opting for high physical damage deductibles could save up to $520 each year, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

How to Find Cheap Toyota Prius Insurance

Finding cheaper rates on Toyota Prius insurance not only requires avoiding accidents and violations, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at least every other year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a brief summary of the car insurance concepts presented in the illustrations above.

• High-risk drivers that tend to have accidents or serious violations pay an average of $1,470 more every year for car insurance
• You may be able to save up to $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers who may need higher liability limits will pay around $390 every year to go from a 30/60 limit to 250/500 limits