Toyota Prius Insurance Rates

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UPDATED: Mar 30, 2024

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Toyota Prius c insurance

The average insurance prices for a Toyota Prius are $1,274 every 12 months for full coverage. Comprehensive insurance costs on average $294, collision costs $506, and liability is $338. Liability-only coverage costs around $394 a year, with high-risk coverage costing $2,748 or more. 16-year-old drivers cost the most to insure at $4,664 a year or more.

Average premium for full coverage: $1,274

Policy rates by type of insurance:

Comprehensive $294
Collision $506
Liability $338

Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different Prius trim levels.

Price Range Variability

Using a middle-aged driver as an example, Toyota Prius insurance rates go from the cheapest price of $394 for just liability insurance to a much higher rate of $2,748 for a driver required to buy high-risk insurance.

Liability Only $394
Full Coverage $1,274
High Risk $2,748

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities.

The price range example below illustrates how where you live affects car insurance rates.

Rural Areas $956
Small Cities $1,338
Large Cities $1,720

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

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

  • The best full coverage rate is $733
  • Raising to $1,000 deductibles will save around $180 a year
  • The average price for a good driver age 40 with $500 deductibles is $1,274
  • Buying more expensive low deductibles costs an extra $354 annually
  • Drivers with multiple tickets or accidents could pay upwards of $2,748 or more
  • Policy cost to insure a 16-year-old driver with full coverage may cost $4,664

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing full coverage Toyota Prius insurance prices range from $733 to $4,664

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

Opting for high physical damage deductibles can reduce rates by up to $540 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 131% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Toyota Prius insurance prices. A middle-age driver might find rates as low as $840 a year in states like Idaho, Maine, and Iowa, or at least $1,820 on average in Michigan, Louisiana, and New York.

Toyota Prius Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,152 -$122 -9.6%
Alaska $978 -$296 -23.2%
Arizona $1,058 -$216 -17.0%
Arkansas $1,274 -$0 0.0%
California $1,454 $180 14.1%
Colorado $1,216 -$58 -4.6%
Connecticut $1,308 $34 2.7%
Delaware $1,442 $168 13.2%
Florida $1,594 $320 25.1%
Georgia $1,178 -$96 -7.5%
Hawaii $918 -$356 -27.9%
Idaho $866 -$408 -32.0%
Illinois $950 -$324 -25.4%
Indiana $962 -$312 -24.5%
Iowa $858 -$416 -32.7%
Kansas $1,212 -$62 -4.9%
Kentucky $1,740 $466 36.6%
Louisiana $1,888 $614 48.2%
Maine $788 -$486 -38.1%
Maryland $1,052 -$222 -17.4%
Massachusetts $1,018 -$256 -20.1%
Michigan $2,212 $938 73.6%
Minnesota $1,068 -$206 -16.2%
Mississippi $1,528 $254 19.9%
Missouri $1,132 -$142 -11.1%
Montana $1,368 $94 7.4%
Nebraska $1,004 -$270 -21.2%
Nevada $1,528 $254 19.9%
New Hampshire $920 -$354 -27.8%
New Jersey $1,424 $150 11.8%
New Mexico $1,128 -$146 -11.5%
New York $1,342 $68 5.3%
North Carolina $736 -$538 -42.2%
North Dakota $1,044 -$230 -18.1%
Ohio $878 -$396 -31.1%
Oklahoma $1,308 $34 2.7%
Oregon $1,168 -$106 -8.3%
Pennsylvania $1,216 -$58 -4.6%
Rhode Island $1,700 $426 33.4%
South Carolina $1,156 -$118 -9.3%
South Dakota $1,076 -$198 -15.5%
Tennessee $1,116 -$158 -12.4%
Texas $1,536 $262 20.6%
Utah $944 -$330 -25.9%
Vermont $872 -$402 -31.6%
Virginia $764 -$510 -40.0%
Washington $986 -$288 -22.6%
West Virginia $1,168 -$106 -8.3%
Wisconsin $880 -$394 -30.9%
Wyoming $1,136 -$138 -10.8%

View Chart as Image

Toyota Prius insurance rates by U.S. city

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and rates will be varied.

Toyota Prius Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Prius $306 $512 $332 $1,286
2023 Toyota Prius $294 $506 $338 $1,274
2022 Toyota Prius $284 $494 $354 $1,268
2021 Toyota Prius $274 $474 $364 $1,248
2020 Toyota Prius $260 $458 $376 $1,230
2019 Toyota Prius $250 $424 $384 $1,194
2018 Toyota Prius $240 $400 $388 $1,164
2017 Toyota Prius $230 $358 $390 $1,114
2016 Toyota Prius $214 $330 $390 $1,070
2015 Toyota Prius $206 $310 $394 $1,046
2014 Toyota Prius $202 $288 $402 $1,028
2013 Toyota Prius $186 $268 $402 $992
2012 Toyota Prius $182 $244 $406 $968
2011 Toyota Prius $170 $222 $402 $930
2010 Toyota Prius $160 $202 $402 $900
2009 Toyota Prius $154 $182 $398 $870
2008 Toyota Prius $152 $178 $390 $856
2007 Toyota Prius $150 $168 $384 $838
2006 Toyota Prius $138 $160 $380 $814
2005 Toyota Prius $132 $152 $376 $796

Rates are averaged for all Toyota Prius models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheaper Toyota Prius Insurance

Finding cheaper rates on insurance for a Toyota Prius consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop at every policy renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.

The items below are a condensed summary of the data touched on in the above illustrations.

  • Insureds who require more liability coverage will pay around $370 each year to raise from a 30/60 limit to a 250/500 level
  • Drivers can save as much as $150 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save as much as $525 each year
  • Teen drivers pay higher rates, costing up to $389 each month if full coverage is included

Rates by Driver Age

Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $4,664
20 $2,928
30 $1,336
40 $1,274
50 $1,164
60 $1,144

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,628
$250 $1,464
$500 $1,274
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,274
50/100 $1,342
100/300 $1,426
250/500 $1,646
100 CSL $1,375
300 CSL $1,561
500 CSL $1,697

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $6,664
20 $4,650
30 $2,814
40 $2,748
50 $2,618
60 $2,596

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $176

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $95
5-yr Claim Free $82
Paid in Full/EFT $59
Advance Quote $63
Online Quote $91
Total Discounts $541
Rate after discounts $733

Discounts are estimated and may not be available from every company or in every state.

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