Toyota Prius Insurance Rates

The average insurance prices for a Toyota Prius are $1,274 every 12 months with full coverage. Comprehensive costs an estimated $294, collision insurance costs $506, and liability insurance costs $338. A liability-only policy costs as little as $394 a year, and high-risk insurance costs around $2,748. Teens cost the most to insure at up to $4,664 a year.

Average premium for full coverage: $1,274

Policy rates broken down by type of insurance:

Price estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Prius models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how location impacts insurance prices.

The examples above demonstrate why everyone should compare rates for a targeted area and their own driving history, rather than relying on averaged prices.

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

Rate Comparisons

The chart below details average Toyota Prius insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $733
• Drivers who choose higher $1,000 deductibles will pay approximately $180 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,274
• Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,628
• High risk drivers with serious driving violations could pay up to $2,748
• Policy cost to insure a teen driver for full coverage can cost as much as $4,664 a year

View Chart as Image

Car insurance rates for a Toyota Prius also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $540 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $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 may be forking out $1,500 to $2,000 extra every year, depending on your age. Toyota Prius insurance for high-risk drivers can cost anywhere from 43% to 131% more than the average 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 $920 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,720 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for Cheaper Toyota Prius Insurance

Finding cheaper rates on Toyota Prius insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and possibly higher deductibles. Spend time shopping around at least once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following is a condensed summary of the primary concepts that were touched on above.

• You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
• High-risk drivers with multiple at-fault accidents may pay on average $1,470 more annually for Prius insurance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Teens have the highest car insurance rates, as much as $389 each month if the policy includes full coverage