Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,274 a year for full coverage insurance. Comprehensive costs an estimated $294 a year, collision insurance costs $506, and liability coverage is estimated at $338. A policy with just liability insurance costs approximately $394 a year, and coverage for high-risk drivers costs around $2,748. Teen drivers pay the highest rates at up to $4,664 a year.

Average premium for full coverage: $1,274

Price estimates broken down by individual coverage:

Rate estimates include $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Prius trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why it is important to get quotes for a targeted area and risk profile, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $733
• Choosing higher $1,000 deductibles can save approximately $1,094 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,274
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,628
• Drivers with multiple violations and an at-fault accident could pay up to $2,748
• The price for full coverage for a teenage driver can cost as much as $4,664 each year

View Chart as Image

Insurance prices for a Toyota Prius are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,720 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $540 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,500 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 131% more than average. View High Risk Driver Rates

How to Find the Best Toyota Prius Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates every couple of years by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief recap of the material that was covered in the above illustrations.

• Consumers who want higher liability limits will pay about $370 annually to raise limits from a low limit to 250/500 limits
• Teens are charged the highest prices, as much as $389 a month for full coverage
• Drivers who tend to receive serious violations pay on average $1,470 more annually for Prius insurance
• Increasing physical damage deductibles can save around $525 each year