Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,268 a year including full coverage. Comprehensive costs around $284 a year, collision costs $494, and liability coverage is estimated at $354. Liability-only insurance costs approximately $406 a year, with high-risk driver insurance costing around $2,738. Teen drivers cost the most to insure at $4,670 a year or more.

Average premium for full coverage: $1,268

Policy rates for type of insurance:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Prius trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code and risk profile, rather than using price averages.

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

Additional Rate Information

The chart below breaks down estimated Toyota Prius insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $727
• Choosing higher $1,000 deductibles can save about $1,092 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,268
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,612
• Drivers with multiple violations and an at-fault accident could pay at least $2,738 or more
• Policy cost for full coverage for a teenage driver can be $4,670 each year

View Chart as Image

Auto insurance rates for a Toyota Prius also range considerably based on your risk profile, the model of your Prius, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,810 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $520 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges around 45% to 132% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates will be varied from one company to the next.

How to Find Low Cost Toyota Prius Insurance

Finding cheaper rates on auto insurance takes being a good driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every time your policy renews by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a review of the information covered in the charts and tables above.

• You may be able to save up to $150 per year simply by quoting early and online
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $389 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers who have several accidents or serious violations pay on average $1,470 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay about $390 per year to raise limits from a 30/60 limit to 250/500 limits