Toyota Prius v 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...
Licensed Insurance Agent
UPDATED: May 7, 2024
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Average auto insurance rates for a Toyota Prius v are $1,064 annually with full coverage. Comprehensive costs an estimated $220, collision insurance costs $306, and liability is $402. A liability-only policy costs around $446 a year, and high-risk insurance costs around $2,280. 16-year-old drivers receive the highest rates at up to $4,062 a year.
Average premium for full coverage: $1,064
Rate estimates broken down by individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Prius v models.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $446 for basic liability insurance to the much higher price of $2,280 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. More rural locations tend to have fewer collision claims than congested cities. The example below illustrates how location impacts insurance prices.
These examples demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on 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.
Rate Comparisons
The chart below details average Toyota Prius v insurance rates for other coverage scenarios.
- The best full coverage rate is $630
- Raising to $1,000 deductibles will save approximately $122 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,064
- Buying pricier low deductibles will cost $1,290
- Drivers with multiple tickets or accidents could pay up to $2,280
- The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,062
Insurance rates for a Toyota Prius v can also vary considerably based on the trim level of your Prius v, your driving record, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,300 to $1,800 extra per year, depending on your age. Toyota Prius v insurance for high-risk drivers is expensive and can cost from 44% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $350 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Toyota Prius v insurance prices. A middle-age driver might find rates as low as $770 a year in states like Utah, Ohio, and New Hampshire, or at least $1,430 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $960 | -$104 | -9.8% |
| Alaska | $814 | -$250 | -23.5% |
| Arizona | $882 | -$182 | -17.1% |
| Arkansas | $1,064 | -$0 | 0.0% |
| California | $1,210 | $146 | 13.7% |
| Colorado | $1,014 | -$50 | -4.7% |
| Connecticut | $1,092 | $28 | 2.6% |
| Delaware | $1,200 | $136 | 12.8% |
| Florida | $1,326 | $262 | 24.6% |
| Georgia | $982 | -$82 | -7.7% |
| Hawaii | $764 | -$300 | -28.2% |
| Idaho | $718 | -$346 | -32.5% |
| Illinois | $792 | -$272 | -25.6% |
| Indiana | $802 | -$262 | -24.6% |
| Iowa | $716 | -$348 | -32.7% |
| Kansas | $1,008 | -$56 | -5.3% |
| Kentucky | $1,446 | $382 | 35.9% |
| Louisiana | $1,572 | $508 | 47.7% |
| Maine | $656 | -$408 | -38.3% |
| Maryland | $876 | -$188 | -17.7% |
| Massachusetts | $848 | -$216 | -20.3% |
| Michigan | $1,842 | $778 | 73.1% |
| Minnesota | $890 | -$174 | -16.4% |
| Mississippi | $1,272 | $208 | 19.5% |
| Missouri | $942 | -$122 | -11.5% |
| Montana | $1,140 | $76 | 7.1% |
| Nebraska | $834 | -$230 | -21.6% |
| Nevada | $1,272 | $208 | 19.5% |
| New Hampshire | $766 | -$298 | -28.0% |
| New Jersey | $1,188 | $124 | 11.7% |
| New Mexico | $938 | -$126 | -11.8% |
| New York | $1,118 | $54 | 5.1% |
| North Carolina | $612 | -$452 | -42.5% |
| North Dakota | $872 | -$192 | -18.0% |
| Ohio | $732 | -$332 | -31.2% |
| Oklahoma | $1,088 | $24 | 2.3% |
| Oregon | $972 | -$92 | -8.6% |
| Pennsylvania | $1,012 | -$52 | -4.9% |
| Rhode Island | $1,416 | $352 | 33.1% |
| South Carolina | $962 | -$102 | -9.6% |
| South Dakota | $896 | -$168 | -15.8% |
| Tennessee | $930 | -$134 | -12.6% |
| Texas | $1,280 | $216 | 20.3% |
| Utah | $786 | -$278 | -26.1% |
| Vermont | $724 | -$340 | -32.0% |
| Virginia | $638 | -$426 | -40.0% |
| Washington | $820 | -$244 | -22.9% |
| West Virginia | $972 | -$92 | -8.6% |
| Wisconsin | $734 | -$330 | -31.0% |
| Wyoming | $946 | -$118 | -11.1% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Toyota Prius v | $248 | $380 | $390 | $1,154 |
| 2016 Toyota Prius v | $232 | $350 | $390 | $1,108 |
| 2015 Toyota Prius v | $224 | $328 | $394 | $1,082 |
| 2014 Toyota Prius v | $220 | $306 | $402 | $1,064 |
| 2013 Toyota Prius v | $202 | $284 | $402 | $1,024 |
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 Buy More Affordable Toyota Prius v Insurance
Saving money on insurance for a Toyota Prius v consists of avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around at least every other year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The points below are a summary of the car insurance concepts touched on above.
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,220 more annually to insure a Toyota Prius v
- You may be able to save approximately $120 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $350 each year
- Insureds who want increased liability limits will pay around $440 every year to raise from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,062 |
| 20 | $2,416 |
| 30 | $1,094 |
| 40 | $1,064 |
| 50 | $972 |
| 60 | $952 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,290 |
| $250 | $1,186 |
| $500 | $1,064 |
| $1,000 | $942 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,064 |
| 50/100 | $1,144 |
| 100/300 | $1,245 |
| 250/500 | $1,506 |
| 100 CSL | $1,185 |
| 300 CSL | $1,406 |
| 500 CSL | $1,567 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,764 |
| 20 | $3,842 |
| 30 | $2,318 |
| 40 | $2,280 |
| 50 | $2,174 |
| 60 | $2,154 |
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 | $56 |
| Multi-vehicle | $56 |
| Homeowner | $17 |
| 5-yr Accident Free | $71 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $43 |
| Advance Quote | $49 |
| Online Quote | $74 |
| Total Discounts | $434 |
Discounts are estimated and may not be available from every company or in every state.
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