Toyota Prius c Insurance Rates
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Michelle Robbins
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UPDATED: Mar 29, 2024
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U.S. average insurance rates for a Toyota Prius c are $1,084 a year for full coverage. Comprehensive insurance costs on average $220, collision costs $338, and liability is $390. A policy with just liability insurance costs around $438 a year, with coverage for high-risk drivers costing $2,332 or more. Teenage drivers pay the highest rates at $4,136 a year or more.
Average premium for full coverage: $1,084
Price estimates by individual coverage:
Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Prius c models.
Price Range from Low to High
For the average 40-year-old driver, Toyota Prius c insurance prices go from the low end price of $438 for minimum levels of liability insurance to the much higher price of $2,332 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities.
The example below illustrates the difference location can make on car insurance rates.
The ranges above show why everyone should compare rates quotes based on a specific location, instead of making a decision based on average rates.
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 Rate Details
The chart below shows estimated Toyota Prius c insurance rates for different risk profiles and scenarios.
- The best discount rate is $638
- Raising to $1,000 deductibles will save around $128 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,084
- Using pricier low deductibles will cost an additional $242 annually
- Drivers who are prone to accidents and violations could pay upwards of $2,332 or more
- The price that insures a 16-year-old driver for full coverage may cost $4,136
Insurance prices for a Toyota Prius c are also quite variable based on the model of your Prius c, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,300 to $1,800 extra each year, depending on your age. Toyota Prius c insurance for high-risk drivers is expensive and can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,100 a year. View Rates by Age
The state you live in also has a big influence on Toyota Prius c insurance prices. A middle-age driver might find prices as low as $720 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,550 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $980 | -$104 | -9.6% |
| Alaska | $830 | -$254 | -23.4% |
| Arizona | $898 | -$186 | -17.2% |
| Arkansas | $1,084 | -$0 | 0.0% |
| California | $1,234 | $150 | 13.8% |
| Colorado | $1,034 | -$50 | -4.6% |
| Connecticut | $1,112 | $28 | 2.6% |
| Delaware | $1,224 | $140 | 12.9% |
| Florida | $1,352 | $268 | 24.7% |
| Georgia | $1,002 | -$82 | -7.6% |
| Hawaii | $778 | -$306 | -28.2% |
| Idaho | $732 | -$352 | -32.5% |
| Illinois | $808 | -$276 | -25.5% |
| Indiana | $816 | -$268 | -24.7% |
| Iowa | $730 | -$354 | -32.7% |
| Kansas | $1,028 | -$56 | -5.2% |
| Kentucky | $1,478 | $394 | 36.3% |
| Louisiana | $1,604 | $520 | 48.0% |
| Maine | $670 | -$414 | -38.2% |
| Maryland | $894 | -$190 | -17.5% |
| Massachusetts | $864 | -$220 | -20.3% |
| Michigan | $1,880 | $796 | 73.4% |
| Minnesota | $908 | -$176 | -16.2% |
| Mississippi | $1,298 | $214 | 19.7% |
| Missouri | $962 | -$122 | -11.3% |
| Montana | $1,162 | $78 | 7.2% |
| Nebraska | $854 | -$230 | -21.2% |
| Nevada | $1,298 | $214 | 19.7% |
| New Hampshire | $782 | -$302 | -27.9% |
| New Jersey | $1,212 | $128 | 11.8% |
| New Mexico | $956 | -$128 | -11.8% |
| New York | $1,142 | $58 | 5.4% |
| North Carolina | $624 | -$460 | -42.4% |
| North Dakota | $888 | -$196 | -18.1% |
| Ohio | $746 | -$338 | -31.2% |
| Oklahoma | $1,112 | $28 | 2.6% |
| Oregon | $994 | -$90 | -8.3% |
| Pennsylvania | $1,032 | -$52 | -4.8% |
| Rhode Island | $1,444 | $360 | 33.2% |
| South Carolina | $982 | -$102 | -9.4% |
| South Dakota | $914 | -$170 | -15.7% |
| Tennessee | $948 | -$136 | -12.5% |
| Texas | $1,304 | $220 | 20.3% |
| Utah | $802 | -$282 | -26.0% |
| Vermont | $740 | -$344 | -31.7% |
| Virginia | $648 | -$436 | -40.2% |
| Washington | $836 | -$248 | -22.9% |
| West Virginia | $994 | -$90 | -8.3% |
| Wisconsin | $748 | -$336 | -31.0% |
| Wyoming | $964 | -$120 | -11.1% |
Using high physical damage deductibles can reduce prices by up to $370 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Toyota Prius c | $238 | $400 | $384 | $1,158 |
| 2017 Toyota Prius c | $220 | $338 | $390 | $1,084 |
| 2016 Toyota Prius c | $206 | $310 | $390 | $1,042 |
Rates are averaged for all Toyota Prius c 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 Cheap Toyota Prius c Insurance
Getting lower rates on insurance for a Toyota Prius c consists of being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and bundling your home and auto policies. Compare prices every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.
The items below are a quick review of the information touched on in this article.
- Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date
- Teen drivers pay the highest prices, with premiums as much as $345 a month if full coverage is included
- Increasing physical damage deductibles can save approximately $375 each year
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,250 more each year to insure their Prius c
- Insureds who require more liability coverage will pay an extra $430 each year to raise from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,136 |
| 20 | $2,478 |
| 30 | $1,120 |
| 40 | $1,084 |
| 50 | $992 |
| 60 | $972 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,326 |
| $250 | $1,214 |
| $500 | $1,084 |
| $1,000 | $956 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,084 |
| 50/100 | $1,162 |
| 100/300 | $1,260 |
| 250/500 | $1,513 |
| 100 CSL | $1,201 |
| 300 CSL | $1,416 |
| 500 CSL | $1,572 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,874 |
| 20 | $3,944 |
| 30 | $2,374 |
| 40 | $2,332 |
| 50 | $2,226 |
| 60 | $2,204 |
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 | $57 |
| Multi-vehicle | $57 |
| Homeowner | $17 |
| 5-yr Accident Free | $74 |
| 5-yr Claim Free | $69 |
| Paid in Full/EFT | $45 |
| Advance Quote | $51 |
| Online Quote | $76 |
| Total Discounts | $446 |
Discounts are estimated and may not be available from every company or in every state.
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