Toyota Prius v Insurance Rates
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Michelle Robbins
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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: May 7, 2024
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The average insurance prices for a Toyota Prius v are $1,024 every 12 months including full coverage. Comprehensive insurance costs around $202, collision insurance costs $284, and liability coverage is estimated at $402. A liability-only policy costs approximately $446 a year, and high-risk insurance costs $2,202 or more. Teens cost the most to insure at up to $3,952 a year.
Average premium for full coverage: $1,024
Policy rates for type of insurance:
Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Prius v trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Toyota Prius v insurance rates range from the cheapest price of $446 for just liability insurance to a much higher rate of $2,202 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance rates.
The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using averaged prices.
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 average Toyota Prius v insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $609
- Choosing higher $1,000 deductibles can save about $110 every year
- The average price for a good driver age 40 using $500 deductibles is $1,024
- Selecting more expensive low deductibles for comp and collision coverage costs an extra $212 each year
- Drivers with serious driving violations could pay at least $2,202
- Policy cost to insure a teenage driver with full coverage can be $3,952 each year
Car insurance rates for a Toyota Prius v also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $330 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $3,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 131% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Toyota Prius v insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,460 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $926 | -$98 | -9.6% |
| Alaska | $786 | -$238 | -23.2% |
| Arizona | $850 | -$174 | -17.0% |
| Arkansas | $1,024 | -$0 | 0.0% |
| California | $1,168 | $144 | 14.1% |
| Colorado | $976 | -$48 | -4.7% |
| Connecticut | $1,052 | $28 | 2.7% |
| Delaware | $1,156 | $132 | 12.9% |
| Florida | $1,278 | $254 | 24.8% |
| Georgia | $948 | -$76 | -7.4% |
| Hawaii | $736 | -$288 | -28.1% |
| Idaho | $694 | -$330 | -32.2% |
| Illinois | $764 | -$260 | -25.4% |
| Indiana | $772 | -$252 | -24.6% |
| Iowa | $692 | -$332 | -32.4% |
| Kansas | $972 | -$52 | -5.1% |
| Kentucky | $1,394 | $370 | 36.1% |
| Louisiana | $1,516 | $492 | 48.0% |
| Maine | $632 | -$392 | -38.3% |
| Maryland | $846 | -$178 | -17.4% |
| Massachusetts | $816 | -$208 | -20.3% |
| Michigan | $1,776 | $752 | 73.4% |
| Minnesota | $858 | -$166 | -16.2% |
| Mississippi | $1,228 | $204 | 19.9% |
| Missouri | $908 | -$116 | -11.3% |
| Montana | $1,098 | $74 | 7.2% |
| Nebraska | $806 | -$218 | -21.3% |
| Nevada | $1,228 | $204 | 19.9% |
| New Hampshire | $738 | -$286 | -27.9% |
| New Jersey | $1,144 | $120 | 11.7% |
| New Mexico | $906 | -$118 | -11.5% |
| New York | $1,078 | $54 | 5.3% |
| North Carolina | $590 | -$434 | -42.4% |
| North Dakota | $840 | -$184 | -18.0% |
| Ohio | $706 | -$318 | -31.1% |
| Oklahoma | $1,050 | $26 | 2.5% |
| Oregon | $938 | -$86 | -8.4% |
| Pennsylvania | $976 | -$48 | -4.7% |
| Rhode Island | $1,364 | $340 | 33.2% |
| South Carolina | $928 | -$96 | -9.4% |
| South Dakota | $866 | -$158 | -15.4% |
| Tennessee | $896 | -$128 | -12.5% |
| Texas | $1,234 | $210 | 20.5% |
| Utah | $758 | -$266 | -26.0% |
| Vermont | $698 | -$326 | -31.8% |
| Virginia | $614 | -$410 | -40.0% |
| Washington | $788 | -$236 | -23.0% |
| West Virginia | $938 | -$86 | -8.4% |
| Wisconsin | $706 | -$318 | -31.1% |
| Wyoming | $910 | -$114 | -11.1% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Toyota Prius v | $232 | $350 | $390 | $1,108 |
| 2016 Toyota Prius v | $224 | $328 | $394 | $1,082 |
| 2015 Toyota Prius v | $220 | $306 | $402 | $1,064 |
| 2014 Toyota Prius v | $202 | $284 | $402 | $1,024 |
| 2013 Toyota Prius v | $198 | $258 | $406 | $998 |
Rates are averaged for all Toyota Prius v models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Cheap Toyota Prius v Insurance
Finding cheaper rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to shop around at least once a year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
Below is a quick review of the primary concepts that were raised in the charts and tables above.
- You may be able to save up to $120 per year just by shopping early and online
- Drivers with a DUI or reckless driving violation could be forced to pay on average $1,180 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $325 each year
- Teenage drivers are the costliest to insure, with premiums being up to $329 each month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,952 |
| 20 | $2,330 |
| 30 | $1,052 |
| 40 | $1,024 |
| 50 | $938 |
| 60 | $918 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,236 |
| $250 | $1,140 |
| $500 | $1,024 |
| $1,000 | $914 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,024 |
| 50/100 | $1,104 |
| 100/300 | $1,205 |
| 250/500 | $1,466 |
| 100 CSL | $1,145 |
| 300 CSL | $1,366 |
| 500 CSL | $1,527 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,602 |
| 20 | $3,712 |
| 30 | $2,234 |
| 40 | $2,202 |
| 50 | $2,098 |
| 60 | $2,078 |
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 | $53 |
| Multi-vehicle | $54 |
| Homeowner | $17 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $41 |
| Advance Quote | $47 |
| Online Quote | $71 |
| Total Discounts | $415 |
Discounts are estimated and may not be available from every company or in every state.
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