Toyota Prius c Insurance Rates
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Michelle Robbins
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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 including full coverage. Comprehensive costs around $206 each year, collision costs $310, and liability insurance costs $390. Liability-only coverage costs as little as $438 a year, with high-risk coverage 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 for type of insurance:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Prius c models.
Price Range Variability
For a 40-year-old driver, Toyota Prius c insurance rates go from as low as $438 for just liability insurance to a high rate of $2,244 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.
The graphic below illustrates how your location can change auto insurance rates.
The examples above highlight why all drivers should compare rates for a specific zip code and risk profile, 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 Details
The chart below breaks down estimated Toyota Prius c insurance rates for additional coverage choices and driver risks.
- The best discount rate is $617
- Drivers who choose higher $1,000 deductibles will pay about $118 every year
- The average rate for a good driver age 40 using $500 deductibles is $1,042
- Using low deductibles for comprehensive and collision insurance will increase the cost to $1,268
- High risk drivers who are prone to accidents and violations could pay at least $2,244 or more
- Policy cost for full coverage for a teen driver can be $4,008 a year
Insurance rates for a Toyota Prius c also range considerably based on your risk profile, the model of your Prius c, and deductibles and policy limits.
More mature drivers with no violations or accidents and high 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, where even good drivers should be prepared to pay as much as $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 $800 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,490 on average in Michigan, New York, and Louisiana.
| 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 increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,200 to $1,700 additional 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
Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.
| 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 Affordable Toyota Prius c Insurance
Finding cheaper rates on Toyota Prius c insurance not only requires having a decent driving record, but also having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around every year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a brief review of the coverage data illustrated above.
- You may be able to save up to $120 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $350 each year
- 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $334 each month including comprehensive and collision insurance
- High-risk drivers with DUI or reckless driving convictions pay on average $1,200 more every year than a driver with a clean driving record
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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