Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,274 a year for full coverage insurance. Comprehensive insurance costs approximately $294 each year, collision insurance costs $506, and liability coverage costs around $338. Liability-only insurance costs as low as $394 a year, and high-risk driver insurance costs $2,748 or more. Teens pay the highest rates at up to $4,664 a year.

Average premium for full coverage: $1,274

Price estimates by individual coverage:

Includes $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Prius models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance prices.

The ranges above illustrate why all drivers should compare prices using their specific location and risk profile, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $733
• Using higher $1,000 deductibles will save $180 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,274
• Selecting low deductibles for physical damage coverage will cost an extra $354 each year
• Higher-risk drivers with serious driving violations could pay around $2,748
• The price for full coverage for a teenage driver can cost $4,664 or more

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $4,600 a year. View Rates by Age

The state you live in has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see prices as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,720 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 131% more than the average policy. View High Risk Driver Rates

How to Find the Cheapest Toyota Prius Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and attention to physical damage deductibles. Invest the time to shop around at least every other year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a recap of the car insurance concepts illustrated above.

• Drivers that have major violations or accidents may pay on average $1,470 more per year for auto insurance
• It is possible to save around $150 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $525 each year
• Consumers who purchase higher levels of liability will pay approximately $370 annually to increase from a low limit to 250/500 limits