Toyota Prius v Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 7, 2024

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Average insurance rates for a Toyota Prius v are $1,082 a year for full coverage. Comprehensive costs an estimated $224 each year, collision costs $328, and liability coverage costs around $394. Buying just liability costs as low as $440 a year, with insurance for high-risk drivers costing around $2,324. Teen drivers receive the highest rates at $4,122 a year or more.

Average premium for full coverage: $1,082

Rate estimates broken down by individual coverage type:

Comprehensive $224
Collision $328
Liability $394

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Prius v models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from the low end price of $440 for liability-only coverage to a high rate of $2,324 for a high-risk insurance policy.

Liability Only $440
Full Coverage $1,082
High Risk $2,324

Price Range by Location

Where you live has a large influence on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $812
Small Cities $1,136
Large Cities $1,461

These examples show why all drivers should compare prices for a targeted area, rather than using 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.

Additional Charts and Tables

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

  • The lowest rate with discounts is $638
  • Using higher $1,000 deductibles will save approximately $126 a year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,082
  • Choosing low deductibles for physical damage coverage bumps up the cost to $1,322
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,324 or more
  • The cost that insures a teenage driver can cost as much as $4,122 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 $638 to $4,122

Auto insurance rates for a Toyota Prius v can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,300 to $1,800 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 44% to 134% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $4,100 a year. View Rates by Age

Where you live has a huge impact on Toyota Prius v insurance rates. A driver around age 40 might see rates as low as $720 a year in states like Iowa, Maine, and Idaho, or as much as $1,540 on average in New York, Louisiana, and Michigan.

Toyota Prius v Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $976 -$106 -9.8%
Alaska $828 -$254 -23.5%
Arizona $898 -$184 -17.0%
Arkansas $1,082 -$0 0.0%
California $1,234 $152 14.0%
Colorado $1,030 -$52 -4.8%
Connecticut $1,110 $28 2.6%
Delaware $1,222 $140 12.9%
Florida $1,350 $268 24.8%
Georgia $1,000 -$82 -7.6%
Hawaii $778 -$304 -28.1%
Idaho $734 -$348 -32.2%
Illinois $806 -$276 -25.5%
Indiana $816 -$266 -24.6%
Iowa $730 -$352 -32.5%
Kansas $1,026 -$56 -5.2%
Kentucky $1,474 $392 36.2%
Louisiana $1,600 $518 47.9%
Maine $668 -$414 -38.3%
Maryland $894 -$188 -17.4%
Massachusetts $864 -$218 -20.1%
Michigan $1,878 $796 73.6%
Minnesota $906 -$176 -16.3%
Mississippi $1,294 $212 19.6%
Missouri $960 -$122 -11.3%
Montana $1,162 $80 7.4%
Nebraska $850 -$232 -21.4%
Nevada $1,298 $216 20.0%
New Hampshire $780 -$302 -27.9%
New Jersey $1,208 $126 11.6%
New Mexico $956 -$126 -11.6%
New York $1,138 $56 5.2%
North Carolina $624 -$458 -42.3%
North Dakota $888 -$194 -17.9%
Ohio $744 -$338 -31.2%
Oklahoma $1,108 $26 2.4%
Oregon $992 -$90 -8.3%
Pennsylvania $1,030 -$52 -4.8%
Rhode Island $1,442 $360 33.3%
South Carolina $982 -$100 -9.2%
South Dakota $914 -$168 -15.5%
Tennessee $946 -$136 -12.6%
Texas $1,304 $222 20.5%
Utah $800 -$282 -26.1%
Vermont $740 -$342 -31.6%
Virginia $646 -$436 -40.3%
Washington $834 -$248 -22.9%
West Virginia $992 -$90 -8.3%
Wisconsin $748 -$334 -30.9%
Wyoming $964 -$118 -10.9%

View Chart as Image

Toyota Prius v insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $370 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $354 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates can be significantly different.

Toyota Prius v Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Toyota Prius v $260 $424 $388 $1,208
2016 Toyota Prius v $248 $380 $390 $1,154
2015 Toyota Prius v $232 $350 $390 $1,108
2014 Toyota Prius v $224 $328 $394 $1,082
2013 Toyota Prius v $220 $306 $402 $1,064

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 More Affordable Toyota Prius v Insurance

Saving money on auto insurance requires having a decent driving record, maintaining a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Shop around at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the car insurance concepts covered above.

  • Drivers who have multiple accidents or major violations may pay on average $1,240 more annually than a driver with a clean driving record
  • Drivers can save approximately $130 per year simply by quoting online in advance
  • Increasing deductibles can save approximately $375 each year
  • Consumers who want additional liability coverage will pay about $430 each year to increase from a minimum limit to the 250/500 level

Rates by Driver Age

Toyota Prius v Insurance Rates by Driver Age
Driver Age Premium
16 $4,122
20 $2,464
30 $1,118
40 $1,082
50 $990
60 $970

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius v Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,322
$250 $1,212
$500 $1,082
$1,000 $956

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius v Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,082
50/100 $1,161
100/300 $1,259
250/500 $1,515
100 CSL $1,200
300 CSL $1,417
500 CSL $1,575

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius v Insurance Rates for High Risk Drivers
Age Premium
16 $5,850
20 $3,922
30 $2,366
40 $2,324
50 $2,218
60 $2,194

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 $147

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $57
Multi-vehicle $57
Homeowner $17
5-yr Accident Free $73
5-yr Claim Free $69
Paid in Full/EFT $45
Advance Quote $50
Online Quote $76
Total Discounts $444
Rate after discounts $638

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

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