Toyota Prius Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance prices for a Toyota Prius are $1,286 every 12 months for full coverage. Comprehensive costs around $306, collision costs $512, and liability insurance costs around $332. Buying just liability costs as low as $388 a year, with insurance for high-risk drivers costing around $2,762. 16-year-old drivers cost the most to insure at $4,662 a year or more.
Average premium for full coverage: $1,286
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Prius models.
Price Range Variability
For the average driver, Toyota Prius insurance rates go from the cheapest price of $388 for minimum levels of liability insurance to the much higher price of $2,762 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than congested cities.
The example below illustrates how location impacts auto insurance rates.
The examples above show why everyone should compare prices for a specific zip code and their own driving history, rather than relying 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.
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 $186 a year
- The average price for a good driver age 40 using $500 deductibles is $1,286
- Buying pricier low deductibles for physical damage coverage increases the price to $1,644
- Drivers with multiple tickets or accidents could pay at least $2,762 or more
- Policy cost to insure a teen driver for full coverage can be $4,662 or more
Insurance rates for a Toyota Prius also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles could cut rates by as much as $550 each year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $299 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $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 least $1,500 to $2,100 extra every year, depending on your age. Toyota Prius insurance for high-risk drivers can be anywhere from 45% to 130% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Toyota Prius insurance rates. A driver around age 40 might see rates 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% |
Because rates have so much variability, the only way to know your exact price is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, so the rates will be varied.
| 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 Shop for Cheaper Toyota Prius Insurance
Finding cheaper rates on Toyota Prius insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by getting quotes from direct carriers, and also from local exclusive and independent agents.
The following list is a condensed summary of the information touched on above.
- Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 pay higher rates, costing up to $389 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- High-risk drivers with multiple at-fault accidents may pay on average $1,480 more every year than a safer driver
- Drivers who may need an increased level of liability coverage will pay around $370 each year to increase from a 30/60 limit to a 250/500 level
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
