Toyota Prius c Insurance Rates
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UPDATED: Mar 29, 2024
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The average insurance rates for a Toyota Prius c are $1,042 a year with full coverage. Comprehensive costs on average $206 each year, collision costs $310, and liability insurance costs $390. Buying just liability costs as little as $438 a year, with insurance for high-risk drivers costing around $2,244. Teenage drivers cost the most to insure at $4,008 a year or more.
Average premium for full coverage: $1,042
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Prius c models.
Price Range Variability
For a driver in their 40's, Toyota Prius c insurance rates go from the low end price of $438 for your basic liability-only policy to a high rate of $2,244 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities.
The graphic below illustrates how location helps determine car insurance rates.
The examples above demonstrate why all drivers should compare rates based on a specific location, rather than relying 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.
More Rate Information
The chart below details estimated Toyota Prius c insurance rates for different risk profiles and scenarios.
- The best discount rate is $617
- Drivers who choose higher $1,000 deductibles will pay around $118 annually
- The estimated price for a good driver age 40 with $500 deductibles is $1,042
- Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,268
- High risk drivers who are prone to accidents and violations could pay upwards of $2,244 or more
- Policy cost that insures a teen driver may cost $4,008 a year
Insurance rates for a Toyota Prius c also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,000 a year. View Rates by Age
Your home state makes a big difference in Toyota Prius c insurance rates. A 40-year-old driver could pay as low as $750 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,410 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $942 | -$100 | -9.6% |
| Alaska | $800 | -$242 | -23.2% |
| Arizona | $864 | -$178 | -17.1% |
| Arkansas | $1,042 | -$0 | 0.0% |
| California | $1,188 | $146 | 14.0% |
| Colorado | $994 | -$48 | -4.6% |
| Connecticut | $1,068 | $26 | 2.5% |
| Delaware | $1,178 | $136 | 13.1% |
| Florida | $1,300 | $258 | 24.8% |
| Georgia | $964 | -$78 | -7.5% |
| Hawaii | $748 | -$294 | -28.2% |
| Idaho | $706 | -$336 | -32.2% |
| Illinois | $776 | -$266 | -25.5% |
| Indiana | $784 | -$258 | -24.8% |
| Iowa | $702 | -$340 | -32.6% |
| Kansas | $988 | -$54 | -5.2% |
| Kentucky | $1,422 | $380 | 36.5% |
| Louisiana | $1,542 | $500 | 48.0% |
| Maine | $644 | -$398 | -38.2% |
| Maryland | $860 | -$182 | -17.5% |
| Massachusetts | $830 | -$212 | -20.3% |
| Michigan | $1,808 | $766 | 73.5% |
| Minnesota | $874 | -$168 | -16.1% |
| Mississippi | $1,248 | $206 | 19.8% |
| Missouri | $926 | -$116 | -11.1% |
| Montana | $1,118 | $76 | 7.3% |
| Nebraska | $820 | -$222 | -21.3% |
| Nevada | $1,248 | $206 | 19.8% |
| New Hampshire | $752 | -$290 | -27.8% |
| New Jersey | $1,164 | $122 | 11.7% |
| New Mexico | $920 | -$122 | -11.7% |
| New York | $1,096 | $54 | 5.2% |
| North Carolina | $600 | -$442 | -42.4% |
| North Dakota | $854 | -$188 | -18.0% |
| Ohio | $718 | -$324 | -31.1% |
| Oklahoma | $1,068 | $26 | 2.5% |
| Oregon | $954 | -$88 | -8.4% |
| Pennsylvania | $992 | -$50 | -4.8% |
| Rhode Island | $1,390 | $348 | 33.4% |
| South Carolina | $946 | -$96 | -9.2% |
| South Dakota | $880 | -$162 | -15.5% |
| Tennessee | $912 | -$130 | -12.5% |
| Texas | $1,256 | $214 | 20.5% |
| Utah | $772 | -$270 | -25.9% |
| Vermont | $712 | -$330 | -31.7% |
| Virginia | $624 | -$418 | -40.1% |
| Washington | $804 | -$238 | -22.8% |
| West Virginia | $954 | -$88 | -8.4% |
| Wisconsin | $718 | -$324 | -31.1% |
| Wyoming | $926 | -$116 | -11.1% |
Using high physical damage deductibles could save up to $350 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Toyota Prius c | $230 | $376 | $388 | $1,130 |
| 2017 Toyota Prius c | $206 | $310 | $390 | $1,042 |
| 2016 Toyota Prius c | $198 | $292 | $394 | $1,020 |
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
Finding cheaper rates on Toyota Prius c insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Compare prices every other policy renewal by getting rate quotes from direct companies, and also from several local insurance agents.
The following items are a quick review of the ideas that were covered in the charts and tables above.
- 16 to 18-year-old drivers pay the highest rates, as much as $334 each month if full coverage is included
- High-risk drivers with a DUI or reckless driving violation pay on average $1,200 more each year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save approximately $350 each year
- You may be able to save as much as $120 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,008 |
| 20 | $2,384 |
| 30 | $1,076 |
| 40 | $1,042 |
| 50 | $954 |
| 60 | $934 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,268 |
| $250 | $1,162 |
| $500 | $1,042 |
| $1,000 | $924 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,042 |
| 50/100 | $1,120 |
| 100/300 | $1,218 |
| 250/500 | $1,471 |
| 100 CSL | $1,159 |
| 300 CSL | $1,374 |
| 500 CSL | $1,530 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,686 |
| 20 | $3,792 |
| 30 | $2,280 |
| 40 | $2,244 |
| 50 | $2,142 |
| 60 | $2,120 |
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 | $54 |
| Multi-vehicle | $55 |
| Homeowner | $17 |
| 5-yr Accident Free | $70 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $43 |
| Advance Quote | $48 |
| Online Quote | $72 |
| Total Discounts | $425 |
Discounts are estimated and may not be available from every company or in every state.
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