Toyota Prius Insurance Rates
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UPDATED: Mar 30, 2024
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Average insurance rates for a Toyota Prius are $1,286 a year for full coverage insurance. Comprehensive insurance costs on average $306, collision costs $512, and liability insurance costs around $332. Liability-only coverage costs as low as $388 a year, with high-risk coverage costing $2,762 or more. Teens receive the highest rates at $4,662 a year or more.
Average premium for full coverage: $1,286
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different Prius trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the low end price of $388 for liability-only coverage to a much higher rate of $2,762 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live has a significant impact on insurance rates. Rural areas tend to have lower incidents of physical damage claims than cities with more traffic congestion.
The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location, rather than relying on averaged prices.
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.
Additional Charts and Tables
The chart below illustrates estimated Toyota Prius insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $739
- Using higher $1,000 deductibles will save around $186 each year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,286
- Selecting more expensive low deductibles for physical damage coverage will cost an additional $358 a year
- Drivers with serious driving violations could pay upwards of $2,762 or more
- The cost that insures a teen driver with full coverage may cost $4,662 or more
Car insurance rates for a Toyota Prius can also vary considerably based on the model year and trim level, your age and driving record, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can be anywhere from 45% to 130% more than the average policy. View High Risk Driver Rates
An older driver 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 upwards of $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 $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,730 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,162 | -$124 | -9.6% |
| Alaska | $986 | -$300 | -23.3% |
| Arizona | $1,064 | -$222 | -17.3% |
| Arkansas | $1,286 | -$0 | 0.0% |
| California | $1,464 | $178 | 13.8% |
| Colorado | $1,224 | -$62 | -4.8% |
| Connecticut | $1,320 | $34 | 2.6% |
| Delaware | $1,450 | $164 | 12.8% |
| Florida | $1,604 | $318 | 24.7% |
| Georgia | $1,188 | -$98 | -7.6% |
| Hawaii | $922 | -$364 | -28.3% |
| Idaho | $870 | -$416 | -32.3% |
| Illinois | $954 | -$332 | -25.8% |
| Indiana | $970 | -$316 | -24.6% |
| Iowa | $868 | -$418 | -32.5% |
| Kansas | $1,220 | -$66 | -5.1% |
| Kentucky | $1,752 | $466 | 36.2% |
| Louisiana | $1,900 | $614 | 47.7% |
| Maine | $794 | -$492 | -38.3% |
| Maryland | $1,062 | -$224 | -17.4% |
| Massachusetts | $1,024 | -$262 | -20.4% |
| Michigan | $2,230 | $944 | 73.4% |
| Minnesota | $1,076 | -$210 | -16.3% |
| Mississippi | $1,538 | $252 | 19.6% |
| Missouri | $1,140 | -$146 | -11.4% |
| Montana | $1,380 | $94 | 7.3% |
| Nebraska | $1,012 | -$274 | -21.3% |
| Nevada | $1,540 | $254 | 19.8% |
| New Hampshire | $924 | -$362 | -28.1% |
| New Jersey | $1,436 | $150 | 11.7% |
| New Mexico | $1,136 | -$150 | -11.7% |
| New York | $1,350 | $64 | 5.0% |
| North Carolina | $738 | -$548 | -42.6% |
| North Dakota | $1,052 | -$234 | -18.2% |
| Ohio | $884 | -$402 | -31.3% |
| Oklahoma | $1,316 | $30 | 2.3% |
| Oregon | $1,176 | -$110 | -8.6% |
| Pennsylvania | $1,224 | -$62 | -4.8% |
| Rhode Island | $1,712 | $426 | 33.1% |
| South Carolina | $1,164 | -$122 | -9.5% |
| South Dakota | $1,084 | -$202 | -15.7% |
| Tennessee | $1,124 | -$162 | -12.6% |
| Texas | $1,550 | $264 | 20.5% |
| Utah | $950 | -$336 | -26.1% |
| Vermont | $878 | -$408 | -31.7% |
| Virginia | $768 | -$518 | -40.3% |
| Washington | $990 | -$296 | -23.0% |
| West Virginia | $1,178 | -$108 | -8.4% |
| Wisconsin | $888 | -$398 | -30.9% |
| Wyoming | $1,146 | -$140 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $550 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $299 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company calculates rates differently, so rate quotes can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius | $322 | $532 | $316 | $1,306 |
| 2023 Toyota Prius | $306 | $512 | $332 | $1,286 |
| 2022 Toyota Prius | $294 | $506 | $338 | $1,274 |
| 2021 Toyota Prius | $284 | $494 | $354 | $1,268 |
| 2020 Toyota Prius | $274 | $474 | $364 | $1,248 |
| 2019 Toyota Prius | $260 | $458 | $376 | $1,230 |
| 2018 Toyota Prius | $250 | $424 | $384 | $1,194 |
| 2017 Toyota Prius | $240 | $400 | $388 | $1,164 |
| 2016 Toyota Prius | $230 | $358 | $390 | $1,114 |
| 2015 Toyota Prius | $214 | $330 | $390 | $1,070 |
| 2014 Toyota Prius | $206 | $310 | $394 | $1,046 |
| 2013 Toyota Prius | $202 | $288 | $402 | $1,028 |
| 2012 Toyota Prius | $186 | $268 | $402 | $992 |
| 2011 Toyota Prius | $182 | $244 | $406 | $968 |
| 2010 Toyota Prius | $170 | $222 | $402 | $930 |
| 2009 Toyota Prius | $160 | $202 | $402 | $900 |
| 2008 Toyota Prius | $154 | $182 | $398 | $870 |
| 2007 Toyota Prius | $152 | $178 | $390 | $856 |
| 2006 Toyota Prius | $150 | $168 | $384 | $838 |
| 2005 Toyota Prius | $138 | $160 | $380 | $814 |
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 Cheap Toyota Prius Insurance
Saving money on Toyota Prius insurance requires having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief summary of the ideas that were covered above.
- 16 to 18-year-old drivers are expensive to insure, costing up to $389 per month if full coverage is purchased
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,480 more each year than a driver with a clean driving record
- Increasing deductibles can save approximately $550 each year
- It is possible to save as much as $160 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,662 |
| 20 | $2,936 |
| 30 | $1,346 |
| 40 | $1,286 |
| 50 | $1,170 |
| 60 | $1,150 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,644 |
| $250 | $1,480 |
| $500 | $1,286 |
| $1,000 | $1,100 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,286 |
| 50/100 | $1,352 |
| 100/300 | $1,435 |
| 250/500 | $1,651 |
| 100 CSL | $1,386 |
| 300 CSL | $1,568 |
| 500 CSL | $1,701 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,666 |
| 20 | $4,666 |
| 30 | $2,832 |
| 40 | $2,762 |
| 50 | $2,632 |
| 60 | $2,606 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $65 |
| Homeowner | $18 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $60 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $547 |
Discounts are estimated and may not be available from every company or in every state.
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