Toyota Prius Insurance Rates
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UPDATED: Jun 7, 2023
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U.S. average insurance prices for a Toyota Prius are $1,274 every 12 months with full coverage. Comprehensive insurance costs approximately $294, collision insurance costs $506, and liability coverage is estimated at $338. A policy with just liability insurance costs approximately $394 a year, and coverage for high-risk drivers costs $2,748 or more. 16-year-old drivers pay the highest rates at up to $4,664 a year.
Average premium for full coverage: $1,274
Price estimates by individual coverage:
Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Prius models.
Price Range from Low to High
Using a middle-aged driver as an example, Toyota Prius insurance prices range from the cheapest price of $394 for just liability insurance to the much higher price of $2,748 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a large influence on the price of insurance. Rural locations have more infrequent collision claims than congested cities. The example below illustrates how where you live affects auto insurance prices.
The ranges above demonstrate why everyone should get quotes using their specific location and their own driving history, 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.
More Rate Details
The chart below details average Toyota Prius insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $733
- Choosing higher $1,000 deductibles can save $180 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,274
- Buying pricier low deductibles for comp and collision coverage costs an extra $354 each year
- Drivers with multiple tickets or accidents could pay around $2,748
- The price to insure a teenage driver for full coverage can cost $4,664 each year
Insurance prices for a Toyota Prius are also quite variable based on deductibles and policy limits, your driving record, and the model of your Prius.
Opting for high physical damage deductibles can save as much as $540 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,000 extra each year, depending on your age. Toyota Prius insurance for high-risk drivers ranges around 43% to 131% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or at least $1,720 on average in New York, Michigan, and Florida.
| 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% |
| 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 Shop for the Cheapest Toyota Prius Insurance
Getting lower rates on auto insurance takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a recap of the coverage data touched on in the above illustrations.
- You may be able to save around $150 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $525 each year
- Teenagers are expensive to insure, costing up to $389 a month if they have full coverage
- Drivers that have major violations or accidents could be forced to pay on average $1,470 more per year for car insurance
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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