Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,274 a year including full coverage. Comprehensive insurance costs on average $294 a year, collision insurance costs $506, and liability is estimated at $338. A policy with just liability insurance costs approximately $394 a year, and coverage for high-risk drivers costs $2,748 or more. Teenage drivers pay the highest rates at up to $4,664 a year.

Average premium for full coverage: $1,274

Price estimates by individual coverage:

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Prius trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

The ranges above highlight why it is important to get quotes based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $733
• Choosing higher $1,000 deductibles can save around $1,094 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,274
• Using low $100 deductibles for comp and collision coverage will cost an extra $354 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,748
• The price for full coverage for a teen driver may cost $4,664 each year

View Chart as Image

Insurance prices for a Toyota Prius are also quite variable based on your driving record, the model of your Prius, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Toyota Prius insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,820 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $540 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Toyota Prius Insurance

Getting lower rates on car insurance takes being a safe and courteous driver, maintaining good credit, being claim-free, and determing if full coverage is necessary. Spend time shopping around every other policy renewal by getting price quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a condensed summary of the ideas that were touched on above.

• Teenage drivers pay the highest prices, possibly costing $389 a month for full coverage
• Higher risk drivers with multiple at-fault accidents may pay on average $1,470 more each year for auto insurance
• Increasing physical damage deductibles can save around $525 each year
• You may be able to save as much as $150 per year just by quoting early and online