Toyota Prius Insurance Rates
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UPDATED: Mar 30, 2024
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U.S. average auto insurance rates for a Toyota Prius are $1,274 annually for full coverage insurance. Comprehensive insurance costs approximately $294, collision costs $506, and liability coverage costs around $338. Buying just liability costs as low as $394 a year, with insurance for high-risk drivers costing $2,748 or more. 16-year-old drivers pay the highest rates at $4,664 a year or more.
Average premium for full coverage: $1,274
Price estimates by individual coverage:
Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all Prius models.
Price Range from Low to High
For an average driver, Toyota Prius insurance prices go from as cheap as $394 for minimum levels of liability insurance to the much higher price of $2,748 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a large influence on the price of auto insurance. Rural locations have fewer physical damage claims than congested cities.
The example below illustrates the effect of geographic area on auto insurance prices.
The ranges above illustrate why everyone should compare prices using their specific location and their own personal driving habits, rather than 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 illustrates estimated Toyota Prius insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $733
- Using higher $1,000 deductibles will save $180 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,274
- Buying pricier low deductibles for physical damage coverage costs an additional $354 each year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,748 or more
- The price with full coverage for a teenage driver for full coverage can cost $4,664 or more
Insurance prices for a Toyota Prius are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,000 additional each year, depending on your age. Toyota Prius insurance for high-risk drivers can be around 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $540 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 more each year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see prices as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,720 on average in Florida, New York, and Michigan.
| 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% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Each insurance company utilizes a different rate formula, and prices may be quite different between companies.
| 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 Buy Cheaper Toyota Prius Insurance
Getting lower rates on auto insurance requires being a low-risk driver, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The items below are a condensed summary of the data covered in the above illustrations.
- Consumers who purchase more liability coverage will pay around $370 annually to increase from a low limit to higher 250/500 limits
- It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $525 each year
- Teen drivers are the costliest to insure, as much as $389 a month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,628 |
| $250 | $1,464 |
| $500 | $1,274 |
| $1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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