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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U.S. average insurance rates for a Toyota Prius v are $1,024 a year for full coverage insurance. Comprehensive costs around $202, collision costs $284, and liability coverage costs around $402. Liability-only insurance costs as low as $446 a year, with high-risk driver insurance costing around $2,202. Teenage drivers pay the highest rates at $3,952 a year or more.
Average premium for full coverage: $1,024
Price estimates for individual coverage:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Prius v models.
Price Range from Low to High
For a 40-year-old driver, Toyota Prius v insurance prices go from the low end price of $446 for just liability coverage to the much higher price of $2,202 for a high-risk insurance policy.
Geographic Price Range
Where you live has a large influence on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities.
The example below illustrates how your location can change auto insurance rates.
The ranges above illustrate why everyone should compare prices for a specific zip code, rather than using average rates.
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.
Detailed Rate Analysis
The chart below illustrates estimated Toyota Prius v insurance rates for additional coverage choices and driver risks.
- The best discount rate is $609
- Using higher $1,000 deductibles will save about $110 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,024
- Using pricier low deductibles for physical damage coverage bumps up the cost to $1,236
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,202 or more
- The price that insures a teenage driver for full coverage can be $3,952 or more
Car insurance prices for a Toyota Prius v are also quite variable based on the model of your Prius v, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,200 to $1,700 extra each year, depending on your age. Toyota Prius v insurance for high-risk drivers can be around 43% to 131% 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 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $3,900 a year. View Rates by Age
The state you live in has a huge impact on Toyota Prius v insurance rates. A driver around age 40 might see prices as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,380 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could cut prices by as much as $330 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection 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
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different.
| 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 Low Cost Toyota Prius v Insurance
Getting lower rates on auto insurance requires being safe and accident-free, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare prices at least every other year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a review of the car insurance concepts illustrated above.
- Drivers who have several accidents or serious violations could be forced to pay on average $1,180 more every year than a low-risk driver
- It is possible to save up to $120 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $325 each year
- Consumers who may need more liability protection will pay an extra $440 annually to increase from a low limit to the 250/500 level
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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