Toyota Prius Insurance Rates
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UPDATED: Mar 30, 2024
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U.S. average insurance rates for a Toyota Prius are $1,286 a year for full coverage. Comprehensive insurance costs around $306 a year, collision costs $512, and liability costs around $332. A policy with just liability insurance costs as low as $388 a year, with coverage for high-risk drivers costing $2,762 or more. 16-year-old drivers pay the highest rates at $4,662 a year or more.
Average premium for full coverage: $1,286
Price estimates for individual coverage:
Estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Prius trim levels.
Price Range from Low to High
For a 40-year-old driver, Toyota Prius insurance prices go from as low as $388 for minimum levels of liability insurance to a high of $2,762 for a high-risk insurance policy.
Geographic Price Range
Where you live can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than congested cities.
The diagram below illustrates how your location can change auto insurance rates.
The ranges above show why it is important to compare prices for a specific zip code and risk profile, instead of using 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.
Additional Rate Details
The chart below shows estimated Toyota Prius insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $739
- Using higher $1,000 deductibles will save about $1,100 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,286
- Buying low $100 deductibles for physical damage coverage will cost an extra $358 every year
- Drivers with multiple tickets or accidents could pay at least $2,762 or more
- The price for full coverage for a teen driver can be $4,662 or more
Insurance prices for a Toyota Prius are also quite variable based on your driving record, the trim level of your Prius, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $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 $850 a year in states like Idaho, Maine, and Iowa, or at least $1,830 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,162 | -$124 | -9.6% |
| Alaska | $986 | -$300 | -23.3% |
| Arizona | $1,064 | -$222 | -17.3% |
| Arkansas | $1,286 | -$0 | 0.0% |
| California | $1,464 | $178 | 13.8% |
| Colorado | $1,224 | -$62 | -4.8% |
| Connecticut | $1,320 | $34 | 2.6% |
| Delaware | $1,450 | $164 | 12.8% |
| Florida | $1,604 | $318 | 24.7% |
| Georgia | $1,188 | -$98 | -7.6% |
| Hawaii | $922 | -$364 | -28.3% |
| Idaho | $870 | -$416 | -32.3% |
| Illinois | $954 | -$332 | -25.8% |
| Indiana | $970 | -$316 | -24.6% |
| Iowa | $868 | -$418 | -32.5% |
| Kansas | $1,220 | -$66 | -5.1% |
| Kentucky | $1,752 | $466 | 36.2% |
| Louisiana | $1,900 | $614 | 47.7% |
| Maine | $794 | -$492 | -38.3% |
| Maryland | $1,062 | -$224 | -17.4% |
| Massachusetts | $1,024 | -$262 | -20.4% |
| Michigan | $2,230 | $944 | 73.4% |
| Minnesota | $1,076 | -$210 | -16.3% |
| Mississippi | $1,538 | $252 | 19.6% |
| Missouri | $1,140 | -$146 | -11.4% |
| Montana | $1,380 | $94 | 7.3% |
| Nebraska | $1,012 | -$274 | -21.3% |
| Nevada | $1,540 | $254 | 19.8% |
| New Hampshire | $924 | -$362 | -28.1% |
| New Jersey | $1,436 | $150 | 11.7% |
| New Mexico | $1,136 | -$150 | -11.7% |
| New York | $1,350 | $64 | 5.0% |
| North Carolina | $738 | -$548 | -42.6% |
| North Dakota | $1,052 | -$234 | -18.2% |
| Ohio | $884 | -$402 | -31.3% |
| Oklahoma | $1,316 | $30 | 2.3% |
| Oregon | $1,176 | -$110 | -8.6% |
| Pennsylvania | $1,224 | -$62 | -4.8% |
| Rhode Island | $1,712 | $426 | 33.1% |
| South Carolina | $1,164 | -$122 | -9.5% |
| South Dakota | $1,084 | -$202 | -15.7% |
| Tennessee | $1,124 | -$162 | -12.6% |
| Texas | $1,550 | $264 | 20.5% |
| Utah | $950 | -$336 | -26.1% |
| Vermont | $878 | -$408 | -31.7% |
| Virginia | $768 | -$518 | -40.3% |
| Washington | $990 | -$296 | -23.0% |
| West Virginia | $1,178 | -$108 | -8.4% |
| Wisconsin | $888 | -$398 | -30.9% |
| Wyoming | $1,146 | -$140 | -10.9% |
Opting for high physical damage deductibles could cut prices by as much as $550 every year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $299 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 least $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 130% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to get quotes and see which company has the best price. Each insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius | $322 | $532 | $316 | $1,306 |
| 2023 Toyota Prius | $306 | $512 | $332 | $1,286 |
| 2022 Toyota Prius | $294 | $506 | $338 | $1,274 |
| 2021 Toyota Prius | $284 | $494 | $354 | $1,268 |
| 2020 Toyota Prius | $274 | $474 | $364 | $1,248 |
| 2019 Toyota Prius | $260 | $458 | $376 | $1,230 |
| 2018 Toyota Prius | $250 | $424 | $384 | $1,194 |
| 2017 Toyota Prius | $240 | $400 | $388 | $1,164 |
| 2016 Toyota Prius | $230 | $358 | $390 | $1,114 |
| 2015 Toyota Prius | $214 | $330 | $390 | $1,070 |
| 2014 Toyota Prius | $206 | $310 | $394 | $1,046 |
| 2013 Toyota Prius | $202 | $288 | $402 | $1,028 |
| 2012 Toyota Prius | $186 | $268 | $402 | $992 |
| 2011 Toyota Prius | $182 | $244 | $406 | $968 |
| 2010 Toyota Prius | $170 | $222 | $402 | $930 |
| 2009 Toyota Prius | $160 | $202 | $402 | $900 |
| 2008 Toyota Prius | $154 | $182 | $398 | $870 |
| 2007 Toyota Prius | $152 | $178 | $390 | $856 |
| 2006 Toyota Prius | $150 | $168 | $384 | $838 |
| 2005 Toyota Prius | $138 | $160 | $380 | $814 |
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 Find Low Cost Toyota Prius Insurance
Getting lower rates on car insurance requires not taking risks behind the wheel, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following is a review of the car insurance concepts illustrated above.
- Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,480 more every year for Prius insurance
- Drivers can save up to $160 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $550 each year
- Policyholders who may need higher liability limits will pay around $370 each year to increase from a low limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,662 |
| 20 | $2,936 |
| 30 | $1,346 |
| 40 | $1,286 |
| 50 | $1,170 |
| 60 | $1,150 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,644 |
| $250 | $1,480 |
| $500 | $1,286 |
| $1,000 | $1,100 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,286 |
| 50/100 | $1,352 |
| 100/300 | $1,435 |
| 250/500 | $1,651 |
| 100 CSL | $1,386 |
| 300 CSL | $1,568 |
| 500 CSL | $1,701 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,666 |
| 20 | $4,666 |
| 30 | $2,832 |
| 40 | $2,762 |
| 50 | $2,632 |
| 60 | $2,606 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $65 |
| Homeowner | $18 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $60 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $547 |
Discounts are estimated and may not be available from every company or in every state.
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