Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,274 a year with full coverage. Comprehensive costs on average $294 a year, collision insurance costs $506, and liability is $338. Buying just liability costs around $394 a year, and insurance for high-risk drivers costs around $2,748. Teenage drivers receive the highest rates at up to $4,664 a year.

Average premium for full coverage: $1,274

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates the difference location can make on car insurance rates.

These examples demonstrate why it is important to compare rates quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below details average Toyota Prius insurance rates for different risk profiles and scenarios.

• The best discount rate is $733
• Raising to $1,000 deductibles will save around $1,094 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,274
• Using low $100 deductibles will increase the cost to $1,628
• Drivers who are prone to accidents and violations could pay upwards of $2,748
• The cost for full coverage for a 16-year-old driver may cost $4,664

View Chart as Image

Auto insurance rates for a Toyota Prius can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,600 a year. View Rates by Age

Where you live also has a big influence on Toyota Prius insurance prices. A middle-age driver might find rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,720 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $540 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Toyota Prius Insurance

Saving money on insurance for a Toyota Prius consists of being safe and accident-free, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates once a year by quoting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

Below you'll find a quick review of the data that was touched on in this article.

• You may be able to save as much as $150 per year just by quoting early and online
• Insureds who require more liability protection will pay an extra $370 every year to raise from a minimum limit to 250/500 limits
• Youthful drivers are charged the highest rates, with premiums as much as $389 per month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,470 more each year than a low-risk driver