Toyota Prius Insurance Rates

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UPDATED: Mar 30, 2024

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Toyota Prius c insurance

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:

Comprehensive $294
Collision $506
Liability $338

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

For an average driver, Toyota Prius insurance prices range from as low as $394 for your basic liability-only policy to a high of $2,748 for high-risk insurance.

Liability Only $394
Full Coverage $1,274
High Risk $2,748

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.

Rural Areas $956
Small Cities $1,338
Large Cities $1,720

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

Toyota Prius insurance cost comparison chart
Column chart showing Toyota Prius insurance rates range from $733 to $4,664 for full coverage

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.

Toyota Prius Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,152 -$122 -9.6%
Alaska $978 -$296 -23.2%
Arizona $1,058 -$216 -17.0%
Arkansas $1,274 -$0 0.0%
California $1,454 $180 14.1%
Colorado $1,216 -$58 -4.6%
Connecticut $1,308 $34 2.7%
Delaware $1,442 $168 13.2%
Florida $1,594 $320 25.1%
Georgia $1,178 -$96 -7.5%
Hawaii $918 -$356 -27.9%
Idaho $866 -$408 -32.0%
Illinois $950 -$324 -25.4%
Indiana $962 -$312 -24.5%
Iowa $858 -$416 -32.7%
Kansas $1,212 -$62 -4.9%
Kentucky $1,740 $466 36.6%
Louisiana $1,888 $614 48.2%
Maine $788 -$486 -38.1%
Maryland $1,052 -$222 -17.4%
Massachusetts $1,018 -$256 -20.1%
Michigan $2,212 $938 73.6%
Minnesota $1,068 -$206 -16.2%
Mississippi $1,528 $254 19.9%
Missouri $1,132 -$142 -11.1%
Montana $1,368 $94 7.4%
Nebraska $1,004 -$270 -21.2%
Nevada $1,528 $254 19.9%
New Hampshire $920 -$354 -27.8%
New Jersey $1,424 $150 11.8%
New Mexico $1,128 -$146 -11.5%
New York $1,342 $68 5.3%
North Carolina $736 -$538 -42.2%
North Dakota $1,044 -$230 -18.1%
Ohio $878 -$396 -31.1%
Oklahoma $1,308 $34 2.7%
Oregon $1,168 -$106 -8.3%
Pennsylvania $1,216 -$58 -4.6%
Rhode Island $1,700 $426 33.4%
South Carolina $1,156 -$118 -9.3%
South Dakota $1,076 -$198 -15.5%
Tennessee $1,116 -$158 -12.4%
Texas $1,536 $262 20.6%
Utah $944 -$330 -25.9%
Vermont $872 -$402 -31.6%
Virginia $764 -$510 -40.0%
Washington $986 -$288 -22.6%
West Virginia $1,168 -$106 -8.3%
Wisconsin $880 -$394 -30.9%
Wyoming $1,136 -$138 -10.8%

View Chart as Image

Toyota Prius insurance rates by U.S. city

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

Toyota Prius Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Prius $306 $512 $332 $1,286
2023 Toyota Prius $294 $506 $338 $1,274
2022 Toyota Prius $284 $494 $354 $1,268
2021 Toyota Prius $274 $474 $364 $1,248
2020 Toyota Prius $260 $458 $376 $1,230
2019 Toyota Prius $250 $424 $384 $1,194
2018 Toyota Prius $240 $400 $388 $1,164
2017 Toyota Prius $230 $358 $390 $1,114
2016 Toyota Prius $214 $330 $390 $1,070
2015 Toyota Prius $206 $310 $394 $1,046
2014 Toyota Prius $202 $288 $402 $1,028
2013 Toyota Prius $186 $268 $402 $992
2012 Toyota Prius $182 $244 $406 $968
2011 Toyota Prius $170 $222 $402 $930
2010 Toyota Prius $160 $202 $402 $900
2009 Toyota Prius $154 $182 $398 $870
2008 Toyota Prius $152 $178 $390 $856
2007 Toyota Prius $150 $168 $384 $838
2006 Toyota Prius $138 $160 $380 $814
2005 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 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

Rates by Driver Age

Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $4,664
20 $2,928
30 $1,336
40 $1,274
50 $1,164
60 $1,144

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,628
$250 $1,464
$500 $1,274
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,274
50/100 $1,342
100/300 $1,426
250/500 $1,646
100 CSL $1,375
300 CSL $1,561
500 CSL $1,697

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $6,664
20 $4,650
30 $2,814
40 $2,748
50 $2,618
60 $2,596

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 $65
Homeowner $18
5-yr Accident Free $95
5-yr Claim Free $82
Paid in Full/EFT $59
Advance Quote $63
Online Quote $91
Total Discounts $541
Rate after discounts $733

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

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