Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,268 a year with full coverage. Comprehensive costs around $284 each year, collision insurance costs $494, and liability insurance costs around $354. Liability-only coverage costs as low as $406 a year, and high-risk coverage costs around $2,738. Teenage drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Prius models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

These examples demonstrate why all drivers should compare prices for a specific zip code, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $727
• Using higher $1,000 deductibles will save about $176 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,268
• Using low deductibles for physical damage coverage bumps up the cost to $1,612
• Drivers who are prone to accidents and violations could pay at least $2,738
• The cost that insures a teen driver can be $4,670 or more

View Chart as Image

Car insurance rates for a Toyota Prius can also vary considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

Where you live has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see rates as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $520 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Toyota Prius Insurance

Saving money on Toyota Prius insurance requires avoiding accidents and claims, having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Compare prices at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick review of the data covered in the charts and tables above.

• Drivers who may need increased liability limits will pay an extra $390 every year to increase from a minimum limit to the 250/500 level
• You may be able to save up to $150 per year just by quoting online in advance
• Increasing deductibles can save approximately $525 each year
• Drivers under the age of 20 are the costliest to insure, with premiums as much as $389 per month if full coverage is purchased