Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,268 a year for full coverage. Comprehensive costs approximately $284 each year, collision costs $494, and liability costs $354. Buying just liability costs as little as $406 a year, with insurance for high-risk drivers costing around $2,738. Teenage drivers cost the most to insure at $4,670 a year or more.

Average premium for full coverage: $1,268

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Prius models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

The examples above show why all drivers should compare rates using their specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $727
• Drivers who choose higher $1,000 deductibles will pay $176 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,268
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,612
• Drivers who are prone to accidents and violations could pay around $2,738 or more
• Policy cost that insures a 16-year-old driver can cost $4,670 a year

View Chart as Image

Insurance rates for a Toyota Prius also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost from 45% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,810 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $520 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, so the rates will be varied.

How to Find More Affordable Toyota Prius Insurance

Finding cheaper rates on insurance for a Toyota Prius not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at least once a year by getting quotes from direct carriers, and also from insurance agencies where you live.

The following items are a summary of the primary concepts that were touched on above.

• Drivers can save around $150 per year simply by quoting online in advance
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,470 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $389 each month if full coverage is included