Toyota Prius Insurance Rates

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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 7, 2023

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Toyota Prius c insurance

Estimated insurance rates for a Toyota Prius are $1,286 a year for full coverage insurance. Comprehensive insurance costs an estimated $306 a year, collision costs $512, and liability costs $332. A policy with only liability insurance costs as little as $388 a year, with a high-risk policy costing $2,762 or more. Teen drivers pay the most at $4,662 a year or more.

Average premium for full coverage: $1,286

Premium estimates broken down by type of coverage:

Comprehensive $306
Collision $512
Liability $332

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Prius trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Toyota Prius go from the low end price of $388 for minimum levels of liability insurance to a high of $2,762 for a high-risk driver policy.

Liability Only $388
Full Coverage $1,286
High Risk $2,762

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates the effect of geographic area on insurance prices.

Rural Areas $965
Small Cities $1,350
Large Cities $1,736

These rate differences illustrate why it is important to compare rates for a targeted area, 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 illustrates estimated Toyota Prius insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $739
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,100 each year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,286
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $358 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,762 or more
  • An auto insurance policy that insures a teen driver can cost as much as $4,662 a year

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing full coverage Toyota Prius insurance prices range from $739 to $4,662

Car insurance prices for a Toyota Prius also have a wide range based on the trim level of your Prius, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 130% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $4,600 a year. View Rates by Age

Where you choose to live makes a big difference in Toyota Prius insurance prices. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, and Michigan.

Toyota Prius Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,162 -$124 -9.6%
Alaska $986 -$300 -23.3%
Arizona $1,064 -$222 -17.3%
Arkansas $1,286 -$0 0.0%
California $1,464 $178 13.8%
Colorado $1,224 -$62 -4.8%
Connecticut $1,320 $34 2.6%
Delaware $1,450 $164 12.8%
Florida $1,604 $318 24.7%
Georgia $1,188 -$98 -7.6%
Hawaii $922 -$364 -28.3%
Idaho $870 -$416 -32.3%
Illinois $954 -$332 -25.8%
Indiana $970 -$316 -24.6%
Iowa $868 -$418 -32.5%
Kansas $1,220 -$66 -5.1%
Kentucky $1,752 $466 36.2%
Louisiana $1,900 $614 47.7%
Maine $794 -$492 -38.3%
Maryland $1,062 -$224 -17.4%
Massachusetts $1,024 -$262 -20.4%
Michigan $2,230 $944 73.4%
Minnesota $1,076 -$210 -16.3%
Mississippi $1,538 $252 19.6%
Missouri $1,140 -$146 -11.4%
Montana $1,380 $94 7.3%
Nebraska $1,012 -$274 -21.3%
Nevada $1,540 $254 19.8%
New Hampshire $924 -$362 -28.1%
New Jersey $1,436 $150 11.7%
New Mexico $1,136 -$150 -11.7%
New York $1,350 $64 5.0%
North Carolina $738 -$548 -42.6%
North Dakota $1,052 -$234 -18.2%
Ohio $884 -$402 -31.3%
Oklahoma $1,316 $30 2.3%
Oregon $1,176 -$110 -8.6%
Pennsylvania $1,224 -$62 -4.8%
Rhode Island $1,712 $426 33.1%
South Carolina $1,164 -$122 -9.5%
South Dakota $1,084 -$202 -15.7%
Tennessee $1,124 -$162 -12.6%
Texas $1,550 $264 20.5%
Utah $950 -$336 -26.1%
Vermont $878 -$408 -31.7%
Virginia $768 -$518 -40.3%
Washington $990 -$296 -23.0%
West Virginia $1,178 -$108 -8.4%
Wisconsin $888 -$398 -30.9%
Wyoming $1,146 -$140 -10.9%

View Chart as Image

Toyota Prius insurance rates by U.S. city

Choosing high deductibles could save up to $550 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $299 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Every company uses a different rate calculation, so rate quotes will be substantially different.

Toyota Prius Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Prius $322 $532 $316 $1,306
2023 Toyota Prius $306 $512 $332 $1,286
2022 Toyota Prius $294 $506 $338 $1,274
2021 Toyota Prius $284 $494 $354 $1,268
2020 Toyota Prius $274 $474 $364 $1,248
2019 Toyota Prius $260 $458 $376 $1,230
2018 Toyota Prius $250 $424 $384 $1,194
2017 Toyota Prius $240 $400 $388 $1,164
2016 Toyota Prius $230 $358 $390 $1,114
2015 Toyota Prius $214 $330 $390 $1,070
2014 Toyota Prius $206 $310 $394 $1,046
2013 Toyota Prius $202 $288 $402 $1,028
2012 Toyota Prius $186 $268 $402 $992
2011 Toyota Prius $182 $244 $406 $968
2010 Toyota Prius $170 $222 $402 $930
2009 Toyota Prius $160 $202 $402 $900
2008 Toyota Prius $154 $182 $398 $870
2007 Toyota Prius $152 $178 $390 $856
2006 Toyota Prius $150 $168 $384 $838
2005 Toyota Prius $138 $160 $380 $814

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 Find the Cheapest Toyota Prius Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Shop around every time your policy renews by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following items are a recap of the information covered in the above illustrations.

  • It is possible to save approximately $160 per year simply by quoting early and online
  • 16 to 18-year-old drivers have the highest car insurance prices, with premiums being up to $389 per month if full coverage is purchased
  • Increasing policy deductibles can save approximately $550 each year
  • Higher risk drivers that have major violations or accidents may have to pay on average $1,480 more annually than a driver with a clean driving record
  • Policyholders who want additional liability coverage will pay about $370 annually to go from 30/60 bodily injury limits to the 250/500 level

Rates by Driver Age

Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $4,662
20 $2,936
30 $1,346
40 $1,286
50 $1,170
60 $1,150

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,644
$250 $1,480
$500 $1,286
$1,000 $1,100

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,286
50/100 $1,352
100/300 $1,435
250/500 $1,651
100 CSL $1,386
300 CSL $1,568
500 CSL $1,701

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $6,666
20 $4,666
30 $2,832
40 $2,762
50 $2,632
60 $2,606

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 $176

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $96
5-yr Claim Free $83
Paid in Full/EFT $60
Advance Quote $64
Online Quote $92
Total Discounts $547
Rate after discounts $739

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

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