Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,274 every 12 months for full coverage insurance. Comprehensive costs an estimated $294 each year, collision insurance costs $506, and liability insurance is estimated at $338. Buying just liability costs approximately $394 a year, and insurance for high-risk drivers costs around $2,748. 16-year-old drivers cost the most to insure at up to $4,664 a year.

Average premium for full coverage: $1,274

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Prius models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities. The graphic below illustrates how where you live affects insurance prices.

The examples above illustrate why all drivers should get quotes for a targeted area and their own driving history, rather than relying on rate averages.

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

More Rate Details

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

• The best full coverage rate is $733
• Choosing higher $1,000 deductibles can save approximately $180 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,274
• Buying low deductibles for comp and collision coverage increases the price to $1,628
• High-risk insureds with multiple tickets or accidents could pay up to $2,748
• Policy cost to insure a teen driver can cost as much as $4,664 each year

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $540 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Your home state 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 at least $1,720 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Best Cheap Toyota Prius Insurance

Finding cheaper rates on Toyota Prius insurance takes being a good driver, having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop every couple of years by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following list is a quick review of the material that was touched on in the above illustrations.

• Drivers who want an increased level of liability coverage will pay around $370 annually to raise limits from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest rates, possibly costing $389 each month if they have full coverage
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,470 more annually than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $525 each year