Toyota Prius Insurance Rates

The average auto insurance rates for a Toyota Prius are $1,274 annually for full coverage. Comprehensive costs around $294 a year, collision insurance costs $506, and liability insurance costs around $338. Buying just liability costs as low as $394 a year, and insurance for high-risk drivers costs around $2,748. Teen drivers cost the most to insure at up to $4,664 a year.

Average premium for full coverage: $1,274

Policy rates for type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

The chart below shows average Toyota Prius insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $733
• Using higher $1,000 deductibles will save about $1,094 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,274
• Choosing low $100 deductibles for physical damage coverage will cost $1,628
• Drivers with multiple violations and an at-fault accident could pay at least $2,748
• Policy cost with full coverage for a teen driver can be $4,664 or more

View Chart as Image

Insurance rates for a Toyota Prius also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $540 each year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit

Your home state 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 Idaho, Maine, and Iowa, or as much as $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Right Toyota Prius Insurance

Finding cheaper rates on Toyota Prius insurance requires having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a quick rundown of the coverage data touched on in the above illustrations.

• Drivers can save up to $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $525 each year
• 16 to 18-year-old drivers pay higher rates, costing up to $389 each month including comprehensive and collision insurance
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,470 more every year than a driver with a clean driving record