Toyota Prius Insurance Rates

U.S. average insurance rates for a Toyota Prius are $1,286 a year for full coverage insurance. Comprehensive insurance costs an estimated $306 a year, collision insurance costs $512, and liability coverage costs around $332. Liability-only coverage costs as low as $388 a year, and high-risk coverage costs $2,762 or more. Teen drivers pay the highest rates at up to $4,662 a year.

Average premium for full coverage: $1,286

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Prius trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why it is important to compare prices for a targeted area and risk profile, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $739
• Using higher $1,000 deductibles will save approximately $1,100 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,286
• Choosing low $100 deductibles for physical damage coverage will cost an extra $358 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,762
• The price for full coverage for a teenage driver can cost as much as $4,662 or more

View Chart as Image

Auto insurance prices for a Toyota Prius are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

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

The state you live in has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see prices 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.

View Chart as Image

Choosing high deductibles could cut prices by as much as $550 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $299 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 45% to 130% more than average. View High Risk Driver Rates

How to Find Low Cost Toyota Prius Insurance

Getting lower rates on auto insurance requires being a good driver, having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a review of the ideas that were covered above.

• Drivers age 16 to 20 are the costliest to insure, as much as $389 a month if they have full coverage
• Drivers who have several accidents or serious violations pay on average $1,480 more annually than a safer driver
• Increasing physical damage deductibles can save around $550 each year
• It is possible to save approximately $160 per year just by quoting early and online