Toyota Prius v Insurance Rates

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UPDATED: May 7, 2024

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The average insurance rates for a Toyota Prius v are $1,024 a year for full coverage insurance. Comprehensive costs an estimated $202, collision costs $284, and liability coverage is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing around $2,202. 16-year-old drivers cost the most to insure at $3,952 a year or more.

Average premium for full coverage: $1,024

Policy rates broken down by type of insurance:

Comprehensive $202
Collision $284
Liability $402

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Prius v trim levels.

Price Range Variability

For the average driver, Toyota Prius v insurance rates go from the low end price of $446 for minimum levels of liability insurance to a much higher rate of $2,202 for a driver required to buy high-risk insurance.

Liability Only $446
Full Coverage $1,024
High Risk $2,202

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities.

The price range example below illustrates how location impacts insurance prices.

Rural Areas $768
Small Cities $1,075
Large Cities $1,382

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area, rather than 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.

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Additional Rate Details

The chart below illustrates estimated Toyota Prius v insurance rates for other coverage scenarios.

  • The best full coverage rate is $609
  • Choosing higher $1,000 deductibles can save approximately $110 each year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,024
  • Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,236
  • Drivers with multiple tickets or accidents could pay up to $2,202 or more
  • Policy cost that insures a teenage driver with full coverage can cost as much as $3,952 each year

View Chart as Image

Toyota Prius v insurance cost comparison chart
Column chart showing full coverage Toyota Prius v insurance rates range from $609 to $3,952

Insurance rates for a Toyota Prius v also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance ranges around 43% to 131% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $3,900 a year. View Rates by Age

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 $670 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,380 on average in Florida, New York, and Michigan.

Toyota Prius v Insurance Rates by State
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%

View Chart as Image

Toyota Prius v insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $330 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and rates will be varied.

Toyota Prius v Insurance Rates by Model Year
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 Find the Best Toyota Prius v Insurance

Finding cheaper rates on auto insurance takes being a good driver, having a good credit score, being claim-free, and maximizing policy discounts. Comparison shop at every policy renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following list is a brief recap of the data touched on above.

  • Consumers who want an increased level of liability coverage will pay around $440 annually to raise limits from a 30/60 limit to the 250/500 level
  • It is possible to save approximately $120 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $325 each year
  • Drivers age 16 to 20 are expensive to insure, possibly costing $329 each month if comprehensive and collision insurance is included

Rates by Driver Age

Toyota Prius v Insurance 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

Toyota Prius v Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,236
$250 $1,140
$500 $1,024
$1,000 $914

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius v Insurance Rates with Different Liability Limits
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

Toyota Prius v Insurance 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.

SR-22 Surcharge $138

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
Rate after discounts $609

Discounts are estimated and may not be available from every company or in every state.

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