Toyota Prius Insurance Rates

Average insurance prices for a Toyota Prius are $1,268 every 12 months with full coverage. Comprehensive insurance costs an estimated $284, collision insurance costs $494, and liability costs around $354. Buying just liability costs as low as $406 a year, and insurance for high-risk drivers costs $2,738 or more. Teenage drivers receive the highest rates at up to $4,670 a year.

Average premium for full coverage: $1,268

Rate estimates broken down by individual coverage type:

Rates are based on $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for all Prius models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations tend to have more infrequent collision claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why everyone should compare prices for a targeted area and their own driving history, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $727
• Using higher $1,000 deductibles will save approximately $176 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,268
• Using pricier low deductibles for physical damage coverage costs an extra $344 every year
• Drivers who are prone to accidents and violations could pay up to $2,738
• The cost to insure a teen driver for full coverage can cost as much as $4,670 or more

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

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

A more mature driver with a good driving record and higher deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,500 to $2,100 in extra premium per year, depending on your age. Toyota Prius insurance for high-risk drivers can be as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

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

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How to Shop for the Best Cheap Toyota Prius Insurance

Saving money on car insurance requires having a good driving record, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a quick review of the material that was covered in the above illustrations.

• Policyholders who want increased levels of liability coverage will pay an extra $390 every year to increase from a minimum limit to a 250/500 level
• Drivers age 20 and younger are the costliest to insure, with premiums as much as $389 per month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,470 more annually to buy Toyota Prius insurance
• Increasing deductibles could save as much as $525 each year