Toyota Prius Insurance Rates

Average insurance rates for a Toyota Prius are $1,274 a year for full coverage. Comprehensive insurance costs approximately $294 a year, collision insurance costs $506, and liability coverage costs around $338. Buying just liability costs as low as $394 a year, and insurance for high-risk drivers costs $2,748 or more. Teen 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, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations tend to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These examples show why it is important to compare prices using their specific location and risk profile, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $733
• Using higher $1,000 deductibles will save $1,094 a year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,274
• Choosing low $100 deductibles for physical damage coverage will cost an extra $354 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,748
• The cost for full coverage for a teenage driver can cost $4,664 or more

View Chart as Image

Auto insurance rates for a Toyota Prius can also vary considerably based on your driver profile, the trim level of your Prius, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

Where you live has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $540 a year, while buying higher liability limits will push rates upward. Going 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 could be paying anywhere from $1,500 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than average. View High Risk Driver Rates

How to Find the Best Cheap Toyota Prius Insurance

Saving money on auto insurance requires avoiding accidents and claims, having good credit, eliminating unneeded coverage, and possibly higher deductibles. Set aside time to compare rates at least every other year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The points below are a quick review of the car insurance concepts covered above.

• Drivers with a DUI or reckless driving violation may pay on average $1,470 more per year to insure a Toyota Prius
• Drivers can save around $150 per year just by quoting early and online
• Increasing deductibles can save around $525 each year
• Consumers who purchase increased liability limits will pay about $370 each year to increase from a minimum limit to 250/500 limits