Toyota Prius Insurance Rates

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

Average premium for full coverage: $1,274

Policy rates broken down by type of insurance:

Prices include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Prius models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

The examples above show why all drivers should compare prices for a targeted area 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 shows average Toyota Prius insurance rates for other coverage scenarios.

• The best discount rate is $733
• Using higher $1,000 deductibles will save approximately $180 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,274
• Using low deductibles for physical damage coverage will cost $1,628
• High-risk insureds who are prone to accidents and violations could pay up to $2,748
• Policy cost with full coverage for a 16-year-old driver can cost as much as $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 liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $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 $1,500 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $540 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy the Right Toyota Prius Insurance

Finding cheaper rates on insurance for a Toyota Prius requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a quick rundown of the data that was presented in the illustrations above.

• Drivers can save approximately $150 per year just by quoting online in advance
• Insureds who want more liability coverage will pay an extra $370 each year to increase from a 30/60 limit to higher 250/500 limits
• Teen drivers are expensive to insure, costing up to $389 each month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,470 more annually to insure their Prius