Toyota Prius Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Jun 27, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Toyota Prius c insurance

Average insurance prices for a Toyota Prius are $992 every 12 months with full coverage. Comprehensive insurance costs around $186, collision insurance costs $268, and liability costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs $2,136 or more. Teen drivers receive the highest rates at up to $3,866 a year.

Average premium for full coverage: $992

Rate estimates for individual coverage type:

Comprehensive $186
Collision $268
Liability $402

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Prius trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the cheapest price of $446 for minimum levels of liability insurance to a much higher rate of $2,136 for a driver that may need high-risk insurance.

Liability Only $446
Full Coverage $992
High Risk $2,136

Price Range by Location

Where you live can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.

Rural Areas $744
Small Cities $1,042
Large Cities $1,339

These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of 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 Rate Details

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

  • The lowest rate with discounts is $591
  • Using higher $1,000 deductibles will save about $104 annually
  • The average price for a 40-year-old driver using $500 deductibles is $992
  • Choosing more expensive low deductibles for physical damage coverage costs an extra $198 every year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,136
  • The cost to insure a teen driver with full coverage can be $3,866 or more

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing Toyota Prius insurance prices range from $591 to $3,866 for full coverage

Insurance rates for a Toyota Prius can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $310 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $3,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,200 to $1,700 additional per year, depending on your age. High-risk driver insurance can be as much as 44% to 135% more than average. View High Risk Driver Rates

Where you live has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see rates as low as $720 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,340 on average in Florida, Michigan, and New York.

Toyota Prius Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $896 -$96 -9.7%
Alaska $762 -$230 -23.2%
Arizona $824 -$168 -16.9%
Arkansas $992 -$0 0.0%
California $1,132 $140 14.1%
Colorado $946 -$46 -4.6%
Connecticut $1,020 $28 2.8%
Delaware $1,122 $130 13.1%
Florida $1,238 $246 24.8%
Georgia $918 -$74 -7.5%
Hawaii $712 -$280 -28.2%
Idaho $672 -$320 -32.3%
Illinois $740 -$252 -25.4%
Indiana $748 -$244 -24.6%
Iowa $668 -$324 -32.7%
Kansas $942 -$50 -5.0%
Kentucky $1,354 $362 36.5%
Louisiana $1,468 $476 48.0%
Maine $614 -$378 -38.1%
Maryland $820 -$172 -17.3%
Massachusetts $792 -$200 -20.2%
Michigan $1,722 $730 73.6%
Minnesota $830 -$162 -16.3%
Mississippi $1,188 $196 19.8%
Missouri $880 -$112 -11.3%
Montana $1,064 $72 7.3%
Nebraska $782 -$210 -21.2%
Nevada $1,190 $198 20.0%
New Hampshire $716 -$276 -27.8%
New Jersey $1,110 $118 11.9%
New Mexico $878 -$114 -11.5%
New York $1,044 $52 5.2%
North Carolina $572 -$420 -42.3%
North Dakota $816 -$176 -17.7%
Ohio $684 -$308 -31.0%
Oklahoma $1,016 $24 2.4%
Oregon $910 -$82 -8.3%
Pennsylvania $946 -$46 -4.6%
Rhode Island $1,324 $332 33.5%
South Carolina $900 -$92 -9.3%
South Dakota $838 -$154 -15.5%
Tennessee $868 -$124 -12.5%
Texas $1,196 $204 20.6%
Utah $734 -$258 -26.0%
Vermont $678 -$314 -31.7%
Virginia $594 -$398 -40.1%
Washington $764 -$228 -23.0%
West Virginia $910 -$82 -8.3%
Wisconsin $686 -$306 -30.8%
Wyoming $882 -$110 -11.1%

View Chart as Image

Toyota Prius insurance rates by U.S. city
Toyota Prius Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Toyota Prius $284 $494 $354 $1,268
2018 Toyota Prius $260 $458 $376 $1,230
2017 Toyota Prius $250 $424 $384 $1,194
2016 Toyota Prius $240 $400 $388 $1,164
2015 Toyota Prius $230 $358 $390 $1,114
2014 Toyota Prius $214 $330 $390 $1,070
2013 Toyota Prius $206 $310 $394 $1,046
2012 Toyota Prius $202 $288 $402 $1,028
2011 Toyota Prius $186 $268 $402 $992
2010 Toyota Prius $182 $244 $406 $968
2009 Toyota Prius $170 $222 $402 $930
2008 Toyota Prius $160 $202 $402 $900
2007 Toyota Prius $154 $182 $398 $870
2006 Toyota Prius $152 $178 $390 $856
2005 Toyota Prius $150 $168 $384 $838
2004 Toyota Prius $138 $160 $380 $814
2003 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 Shop for Cheaper Toyota Prius Insurance

Saving money on car insurance requires being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a condensed summary of the data that was covered in the charts and tables above.

  • You may be able to save up to $110 per year just by shopping early and online
  • Policyholders who may need more liability protection will pay about $440 every year to increase from a minimum limit to a 250/500 level
  • Youthful drivers are charged the highest rates, with premiums as much as $322 per month if full coverage is included
  • Higher risk drivers with multiple at-fault accidents pay on average $1,140 more every year than a low-risk driver

Rates by Driver Age

Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $3,866
20 $2,266
30 $1,020
40 $992
50 $910
60 $892

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,190
$250 $1,100
$500 $992
$1,000 $888

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $992
50/100 $1,072
100/300 $1,173
250/500 $1,434
100 CSL $1,113
300 CSL $1,334
500 CSL $1,495

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $5,476
20 $3,608
30 $2,166
40 $2,136
50 $2,038
60 $2,020

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 $134

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $53
Homeowner $17
5-yr Accident Free $65
5-yr Claim Free $63
Paid in Full/EFT $39
Advance Quote $45
Online Quote $68
Total Discounts $401
Rate after discounts $591

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles