Toyota Prius Insurance Rates

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

Average premium for full coverage: $1,274

Price estimates by individual coverage:

Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different Prius trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.

The ranges above show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $733
• Using higher $1,000 deductibles will save around $180 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,274
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $354 annually
• High-risk insureds with serious driving violations could pay upwards of $2,748
• The price for full coverage for a 16-year-old driver with full coverage may cost $4,664 or more

View Chart as Image

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

An older driver with a clean driving record and high deductibles may pay as low as $1,200 a year 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 has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see prices as low as $840 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $540 annually, while increasing your policy's liability limits will cost you more. Going 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 could be paying at a minimum $1,500 to $2,000 extra each year, depending on your age. High-risk driver insurance can be from 43% to 131% more than the average policy. View High Risk Driver Rates

How to Find Affordable Toyota Prius Insurance

Getting lower rates on insurance for a Toyota Prius requires being a safe and courteous driver, maintaining good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Make time to compare rates every year by quoting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.

Below is a brief review of the coverage data touched on in this article.

• Drivers can save as much as $150 per year just by shopping early and online
• Increasing physical damage deductibles can save around $525 each year
• Teenage drivers pay the highest prices, with premiums as much as $389 a month for full coverage
• Drivers considered higher risk with DUI or reckless driving convictions will pay on average $1,470 more each year for auto insurance