Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,274 a year with full coverage. Comprehensive costs around $294 a year, collision insurance costs $506, and liability coverage costs $338. Liability-only coverage costs as little as $394 a year, and high-risk coverage costs around $2,748. 16-year-old drivers pay the highest rates at up to $4,664 a year.

Average premium for full coverage: $1,274

Price estimates for individual coverage:

Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Prius trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. Areas with sparse population have a lower frequency of collision claims than congested cities. The diagram below illustrates how location impacts auto insurance rates.

The ranges above demonstrate why it is important to compare rates for a specific zip code and risk profile, rather than using rate averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

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

• The best full coverage rate is $733
• Drivers who choose higher $1,000 deductibles will pay about $1,094 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,274
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,628
• High-risk insureds with multiple tickets or accidents could pay at least $2,748
• The price for full coverage for a teenage driver can be $4,664 a year

View Chart as Image

Auto insurance prices for a Toyota Prius are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

The state you live in makes a big difference in Toyota Prius insurance rates. A 40-year-old driver could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or at least $1,720 on average in Florida, Michigan, and New York.

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Opting for high physical damage deductibles could save up to $540 a year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,500 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than the average rate. View High Risk Driver Rates

How to Find Cheaper Toyota Prius Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a condensed summary of the coverage data touched on above.

• You may be able to save up to $150 per year just by quoting early and online
• Increasing physical damage deductibles can save around $525 each year
• Drivers age 20 and younger are expensive to insure, costing up to $389 a month if they have full coverage
• Drivers with multiple at-fault accidents pay an average of $1,470 more every year to buy Toyota Prius insurance