Toyota Prius v Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 7, 2024
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The average insurance rates for a Toyota Prius v are $1,024 a year including full coverage. Comprehensive insurance costs approximately $202 a year, collision costs $284, and liability costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing $2,202 or more. 16-year-old drivers cost the most to insure at $3,952 a year or more.
Average premium for full coverage: $1,024
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Prius v trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Toyota Prius v insurance rates go from the low end price of $446 for liability-only coverage to a high of $2,202 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above highlight why it is important to compare rates using their specific location, instead of using 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.
Additional Charts and Tables
The chart below breaks down estimated Toyota Prius v insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $609
- Drivers who choose higher $1,000 deductibles will pay $914 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,024
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $212 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,202 or more
- Policy cost that insures a teen driver can cost $3,952 a year
Auto insurance rates for a Toyota Prius v also range considerably based on the trim level of your Prius v, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,200 to $1,700 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $3,900 a year. View Rates by Age
Your home state makes a big difference in Toyota Prius v insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,460 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $330 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates will be varied.
| 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 the Best Cheap Toyota Prius v Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Comparison shop once a year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.
The list below is a quick review of the data that was raised in the charts and tables above.
- You may be able to save around $120 per year simply by quoting early and online
- Policyholders who purchase higher liability limits will pay around $440 per year to go from a 30/60 limit to the 250/500 level
- Teenagers have the highest car insurance rates, with premiums being up to $329 each month if the policy includes full coverage
- Higher risk drivers with a DUI or reckless driving violation will likely pay on average $1,180 more per year for car insurance
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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