Toyota Prius Insurance Rates

Average auto insurance rates for a Toyota Prius are $1,274 annually for full coverage insurance. Comprehensive costs on average $294 a year, collision insurance costs $506, and liability insurance is estimated at $338. Liability-only coverage costs approximately $394 a year, and high-risk coverage costs around $2,748. Teen drivers receive the highest rates at up to $4,664 a year.

Average premium for full coverage: $1,274

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Prius trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas. The diagram below illustrates how your location can change car insurance rates.

These examples illustrate why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying on price averages.

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

Rate Comparisons

The chart below illustrates average Toyota Prius insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $733
• Choosing higher $1,000 deductibles can save around $1,094 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,274
• Choosing low $100 deductibles for comp and collision coverage will cost $1,628
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,748
• The cost with full coverage for a teen driver may cost $4,664 each year

View Chart as Image

Car insurance rates for a Toyota Prius can also vary considerably based on the trim level of your Prius, your risk profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $540 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,720 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy the Right Toyota Prius Insurance

Saving money on Toyota Prius insurance takes avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at least once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a quick rundown of the primary concepts that were illustrated above.

• It is possible to save as much as $150 per year just by quoting early and online
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,470 more each year to insure a Toyota Prius
• Increasing deductibles could save up to $525 each year
• Drivers under the age of 20 are expensive to insure, costing up to $389 per month if comprehensive and collision insurance is included