Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,286 every 12 months for full coverage insurance. Comprehensive costs approximately $306, collision insurance costs $512, and liability coverage costs $332. Buying just liability costs as little as $388 a year, and insurance for high-risk drivers costs around $2,762. Teenage drivers cost the most to insure at up to $4,662 a year.

Average premium for full coverage: $1,286

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below illustrates average Toyota Prius insurance rates for additional coverage and risk scenarios.

• The best discount rate is $739
• Drivers who choose higher $1,000 deductibles will pay $186 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,286
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,644
• High-risk insureds who are prone to accidents and violations could pay around $2,762
• Policy cost to insure a teenage driver with full coverage can cost $4,662 a year

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Insurance rates for a Toyota Prius also range considerably based on liability limits and deductibles, your risk profile, and the model of your Prius.

Using high physical damage deductibles could save up to $550 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $299 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost around 45% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Toyota Prius insurance rates. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,730 on average in Florida, New York, and Michigan.

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How to Shop for the Right Toyota Prius Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having good credit, being claim-free, and possibly raising deductibles. Invest the time to shop around every other policy renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The items below are a quick rundown of the ideas that were illustrated above.

• Teen drivers are expensive to insure, possibly costing $389 each month if they have full coverage
• Drivers with reckless driving or DUI convictions may have to pay on average $1,480 more per year to insure their Prius
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• It is possible to save around $160 per year just by shopping early and online