Toyota Prius Insurance Rates

Estimated auto insurance rates for a Toyota Prius are $1,306 annually with full coverage. Comprehensive costs on average $322 each year, collision insurance costs $532, and liability is $316. A liability-only policy costs around $376 a year, and high-risk insurance costs around $2,804. Teenage drivers pay the most at up to $4,696 a year.

Average premium for full coverage: $1,306

Premium estimates by type of coverage:

Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Prius models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

These rate differences demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $749
• Raising to $1,000 deductibles will save around $196 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,306
• Using low deductibles will cost $1,678
• Drivers who are prone to accidents and violations could pay upwards of $2,804
• An auto insurance policy with full coverage for a 16-year-old driver may cost $4,696

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Auto insurance prices for a Toyota Prius also have a wide range based on the model of your Prius, your driving record, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $570 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $285 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Toyota Prius insurance prices. A middle-age driver might find prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,760 on average in Florida, Michigan, and New York.

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How to Buy the Cheapest Toyota Prius Insurance

Finding better rates on insurance for a Toyota Prius consists of being a low-risk driver, having above-average credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around once a year by requesting rates from direct companies, and also from local independent and exclusive agents.

The items below are a recap of the data that was touched on above.

• You may be able to save as much as $160 per year just by quoting online in advance
• Insureds who require more liability coverage will pay an extra $350 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Teen drivers are charged the highest prices, possibly costing $391 per month if full coverage is included
• Drivers considered higher risk that have major violations or accidents pay an average of $1,500 more each year to insure their Prius