Toyota Prius v Insurance Rates

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UPDATED: May 7, 2024

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The average insurance prices for a Toyota Prius v are $1,024 every 12 months including full coverage. Comprehensive insurance costs around $202, collision insurance costs $284, and liability coverage is estimated at $402. A liability-only policy costs approximately $446 a year, and high-risk insurance costs $2,202 or more. Teens cost the most to insure at up to $3,952 a year.

Average premium for full coverage: $1,024

Policy rates for type of insurance:

Comprehensive $202
Collision $284
Liability $402

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Prius v trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Toyota Prius v insurance rates range from the cheapest price of $446 for just liability insurance to a much higher rate of $2,202 for coverage for higher-risk drivers.

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. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance rates.

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

The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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.

More Rate Details

The chart below breaks down average Toyota Prius v insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $609
  • Choosing higher $1,000 deductibles can save about $110 every year
  • The average price for a good driver age 40 using $500 deductibles is $1,024
  • Selecting more expensive low deductibles for comp and collision coverage costs an extra $212 each year
  • Drivers with serious driving violations could pay at least $2,202
  • Policy cost to insure a teenage driver with full coverage can be $3,952 each year

View Chart as Image

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

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $330 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 131% more than the average policy. View High Risk Driver Rates

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 $790 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,460 on average in Michigan, New York, and Louisiana.

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
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 Shop for the Best Cheap Toyota Prius v Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to shop around at least once a year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a quick review of the primary concepts that were raised in the charts and tables above.

  • You may be able to save up to $120 per year just by shopping early and online
  • Drivers with a DUI or reckless driving violation could be forced to pay on average $1,180 more every year for auto insurance
  • Increasing comprehensive and collision deductibles could save as much as $325 each year
  • Teenage drivers are the costliest to insure, with premiums being up to $329 each month if the policy includes full coverage

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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