Toyota Prius v Insurance Rates

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UPDATED: May 7, 2024

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U.S. average auto insurance rates for a Toyota Prius v are $1,064 annually for full coverage insurance. Comprehensive costs an estimated $220, collision costs $306, and liability costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing around $2,280. Teen drivers pay the highest rates at $4,062 a year or more.

Average premium for full coverage: $1,064

Price estimates broken down by individual coverage:

Comprehensive $220
Collision $306
Liability $402

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all Prius v models.

Price Range from Low to High

For the average driver, Toyota Prius v insurance prices go from as cheap as $446 for a discount liability-only rate to the much higher price of $2,280 for a policy for a high-risk driver.

Liability Only $446
Full Coverage $1,064
High Risk $2,280

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have fewer physical damage claims than larger metro areas.

The example below illustrates how location impacts insurance prices.

Rural Areas $798
Small Cities $1,117
Large Cities $1,436

The ranges above illustrate why everyone should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price 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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $630
  • Using higher $1,000 deductibles will save approximately $122 each year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,064
  • Choosing pricier low deductibles for physical damage coverage will cost $1,290
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,280 or more
  • The price with full coverage for a 16-year-old driver for full coverage can cost as much as $4,062 or more

View Chart as Image

Toyota Prius v insurance cost comparison chart
Column chart showing full coverage Toyota Prius v insurance rates range from $630 to $4,062

Car insurance prices for a Toyota Prius v are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,000 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $4,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,300 to $1,800 extra each year, depending on your age. Toyota Prius v insurance for high-risk drivers can be from 44% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $350 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Toyota Prius v insurance prices. A driver around age 40 might see prices as low as $690 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,430 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 $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%

View Chart as Image

Toyota Prius v insurance rates by U.S. city

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.

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

Getting lower rates on insurance for a Toyota Prius v requires being a good driver, having a good credit score, not filing small claims, and not having any coverage lapses. Spend time shopping around every year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

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

  • It is possible to save approximately $120 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save up to $350 each year
  • Drivers age 16 to 20 have the highest car insurance prices, as much as $339 a month if comprehensive and collision insurance is included
  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,220 more annually than a safer driver

Rates by Driver Age

Toyota Prius v Insurance 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

Toyota Prius v Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,290
$250 $1,186
$500 $1,064
$1,000 $942

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius v Insurance Rates with Different Liability Limits
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

Toyota Prius v Insurance 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.

SR-22 Surcharge $143

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
Rate after discounts $630

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

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