Toyota Prius Insurance Rates

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UPDATED: Mar 30, 2024

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Toyota Prius c insurance

Estimated insurance rates for a Toyota Prius are $1,274 a year including full coverage. Comprehensive costs approximately $294 each year, collision costs $506, and liability insurance is $338. A liability-only policy costs around $394 a year, with high-risk insurance costing around $2,748. Teens pay the most at $4,664 a year or more.

Average premium for full coverage: $1,274

Premium estimates by type of coverage:

Comprehensive $294
Collision $506
Liability $338

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Prius models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Toyota Prius go from as low as $394 for just liability coverage to a high rate of $2,748 for a high-risk insurance policy.

Liability Only $394
Full Coverage $1,274
High Risk $2,748

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance prices.

Rural Areas $956
Small Cities $1,338
Large Cities $1,720

These rate differences highlight why all drivers should compare rates quotes using their specific location and risk profile, rather than relying on 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.

Detailed Rate Analysis

The chart below breaks down estimated Toyota Prius insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $733
  • Raising to $1,000 deductibles will save $180 every year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,274
  • Selecting low deductibles will increase the cost to $1,628
  • Higher-risk drivers with serious driving violations could pay around $2,748 or more
  • An auto insurance policy for full coverage for a teen driver can cost $4,664

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing full coverage Toyota Prius insurance rates range from $733 to $4,664

Auto insurance prices for a Toyota Prius also have a wide range based on your driving characteristics, the model of your Prius, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota Prius insurance rates. A middle-age driver might find prices as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,820 on average in Louisiana, New York, and Michigan.

Toyota Prius Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,152 -$122 -9.6%
Alaska $978 -$296 -23.2%
Arizona $1,058 -$216 -17.0%
Arkansas $1,274 -$0 0.0%
California $1,454 $180 14.1%
Colorado $1,216 -$58 -4.6%
Connecticut $1,308 $34 2.7%
Delaware $1,442 $168 13.2%
Florida $1,594 $320 25.1%
Georgia $1,178 -$96 -7.5%
Hawaii $918 -$356 -27.9%
Idaho $866 -$408 -32.0%
Illinois $950 -$324 -25.4%
Indiana $962 -$312 -24.5%
Iowa $858 -$416 -32.7%
Kansas $1,212 -$62 -4.9%
Kentucky $1,740 $466 36.6%
Louisiana $1,888 $614 48.2%
Maine $788 -$486 -38.1%
Maryland $1,052 -$222 -17.4%
Massachusetts $1,018 -$256 -20.1%
Michigan $2,212 $938 73.6%
Minnesota $1,068 -$206 -16.2%
Mississippi $1,528 $254 19.9%
Missouri $1,132 -$142 -11.1%
Montana $1,368 $94 7.4%
Nebraska $1,004 -$270 -21.2%
Nevada $1,528 $254 19.9%
New Hampshire $920 -$354 -27.8%
New Jersey $1,424 $150 11.8%
New Mexico $1,128 -$146 -11.5%
New York $1,342 $68 5.3%
North Carolina $736 -$538 -42.2%
North Dakota $1,044 -$230 -18.1%
Ohio $878 -$396 -31.1%
Oklahoma $1,308 $34 2.7%
Oregon $1,168 -$106 -8.3%
Pennsylvania $1,216 -$58 -4.6%
Rhode Island $1,700 $426 33.4%
South Carolina $1,156 -$118 -9.3%
South Dakota $1,076 -$198 -15.5%
Tennessee $1,116 -$158 -12.4%
Texas $1,536 $262 20.6%
Utah $944 -$330 -25.9%
Vermont $872 -$402 -31.6%
Virginia $764 -$510 -40.0%
Washington $986 -$288 -22.6%
West Virginia $1,168 -$106 -8.3%
Wisconsin $880 -$394 -30.9%
Wyoming $1,136 -$138 -10.8%

View Chart as Image

Toyota Prius insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,000 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices will be substantially different from one company to the next.

Toyota Prius Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Prius $306 $512 $332 $1,286
2023 Toyota Prius $294 $506 $338 $1,274
2022 Toyota Prius $284 $494 $354 $1,268
2021 Toyota Prius $274 $474 $364 $1,248
2020 Toyota Prius $260 $458 $376 $1,230
2019 Toyota Prius $250 $424 $384 $1,194
2018 Toyota Prius $240 $400 $388 $1,164
2017 Toyota Prius $230 $358 $390 $1,114
2016 Toyota Prius $214 $330 $390 $1,070
2015 Toyota Prius $206 $310 $394 $1,046
2014 Toyota Prius $202 $288 $402 $1,028
2013 Toyota Prius $186 $268 $402 $992
2012 Toyota Prius $182 $244 $406 $968
2011 Toyota Prius $170 $222 $402 $930
2010 Toyota Prius $160 $202 $402 $900
2009 Toyota Prius $154 $182 $398 $870
2008 Toyota Prius $152 $178 $390 $856
2007 Toyota Prius $150 $168 $384 $838
2006 Toyota Prius $138 $160 $380 $814
2005 Toyota Prius $132 $152 $376 $796

Rates are averaged for all Toyota Prius 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 Insurance

Finding better rates on Toyota Prius insurance consists of not taking risks behind the wheel, having good credit, refrain from filing small claims, and not having any coverage lapses. Make time to compare rates at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a summary of the car insurance concepts touched on in this article.

  • High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,470 more per year for Prius insurance
  • You may be able to save around $150 per year simply by quoting online in advance
  • Increasing policy deductibles can save around $525 each year
  • Drivers who purchase higher liability limits will pay approximately $370 per year to raise from 30/60 bodily injury limits to 250/500 limits

Rates by Driver Age

Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $4,664
20 $2,928
30 $1,336
40 $1,274
50 $1,164
60 $1,144

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,628
$250 $1,464
$500 $1,274
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,274
50/100 $1,342
100/300 $1,426
250/500 $1,646
100 CSL $1,375
300 CSL $1,561
500 CSL $1,697

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $6,664
20 $4,650
30 $2,814
40 $2,748
50 $2,618
60 $2,596

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 $176

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $95
5-yr Claim Free $82
Paid in Full/EFT $59
Advance Quote $63
Online Quote $91
Total Discounts $541
Rate after discounts $733

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

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