Toyota Prius c Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 29, 2024
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Average insurance rates for a Toyota Prius c are $1,084 a year including full coverage. Comprehensive insurance costs an estimated $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. 16-year-old drivers receive the highest rates at $4,136 a year or more.
Average premium for full coverage: $1,084
Rate estimates broken down by individual coverage type:
Prices are based on $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Prius c models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the low end price of $438 for just liability coverage to the much higher price of $2,332 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities.
The example below illustrates the difference between rural and urban areas on insurance prices.
These examples highlight why everyone should compare rates quotes for a targeted area, instead of using rate averages.
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.
Detailed Rate Analysis
The chart below breaks down estimated Toyota Prius c insurance rates for other coverage scenarios.
- The best full coverage rate is $638
- Raising to $1,000 deductibles will save approximately $128 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,084
- Buying pricier low deductibles will cost an additional $242 every year
- At-risk drivers with multiple tickets or accidents could pay up to $2,332 or more
- The cost that insures a teen driver for full coverage can cost as much as $4,136
Insurance rates for a Toyota Prius c can also vary considerably based on the model of your Prius c, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,300 to $1,800 additional per year, depending on your age. Toyota Prius c insurance for high-risk drivers is expensive and can cost as much as 44% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,100 a year. View Rates by Age
Where you live also has a big influence on Toyota Prius c insurance prices. A middle-age driver might find rates as low as $830 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,550 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $370 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates can be significantly 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 Affordable Toyota Prius c Insurance
Saving money on car insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The following is a brief review of the car insurance concepts covered above.
- Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,250 more annually for Prius c insurance
- You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $375 each year
- Policyholders who want higher liability limits will pay around $430 per year to raise from a minimum 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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