Toyota Prius v Insurance Rates

The average insurance rates for a Toyota Prius v are $1,064 a year for full coverage. Comprehensive costs an estimated $220, collision insurance costs $306, and liability coverage is $402. A liability-only policy costs around $446 a year, and high-risk insurance costs around $2,280. Teenage drivers cost the most to insure at up to $4,062 a year.

Average premium for full coverage: $1,064

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Prius v models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates how your location can change insurance prices.

The examples above show why everyone should compare rates quotes for a targeted area, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Toyota Prius v insurance rates for other coverage scenarios.

• The best discount rate is $630
• Raising to $1,000 deductibles will save approximately $122 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,064
• Using pricier low deductibles bumps up the cost to $1,290
• Unlucky drivers who are prone to accidents and violations could pay up to $2,280
• Policy cost that insures a teenage driver for full coverage can cost as much as $4,062

View Chart as Image

Car insurance rates for a Toyota Prius v also range considerably based on the model of your Prius v, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,300 to $1,800 extra every year, depending on your age. Toyota Prius v insurance for high-risk drivers is expensive and can cost around 44% to 137% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $4,000 a year. View Rates by Age

Your home state also has a big influence on Toyota Prius v insurance rates. A middle-age driver might find rates as low as $700 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,520 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $350 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Toyota Prius v Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Compare prices at least once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a quick review of the primary concepts that were illustrated above.

• Drivers can save approximately $120 per year just by quoting online well ahead of the renewal date
• Drivers with a DUI or reckless driving violation may pay on average $1,220 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers age 16 to 20 have the highest car insurance rates, costing up to $339 each month if full coverage is purchased