Toyota Prius Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 7, 2023

Advertiser Disclosure

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.

Toyota Prius c insurance

Estimated insurance prices for a Toyota Prius are $1,274 every 12 months for full coverage insurance. Comprehensive costs on average $294 each year, collision insurance costs $506, and liability insurance costs $338. A policy with only liability insurance costs as little as $394 a year, and a high-risk policy costs around $2,748. 16-year-old drivers pay the most at up to $4,664 a year.

Average premium for full coverage: $1,274

Premium estimates by type of coverage:

Comprehensive $294
Collision $506
Liability $338

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Prius models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Toyota Prius range from the cheapest price of $394 for your basic liability-only policy to a high rate of $2,748 for a driver that may need high-risk insurance.

Liability Only $394
Full Coverage $1,274
High Risk $2,748

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities. The graphic below illustrates how where you live affects car insurance rates.

Rural Areas $956
Small Cities $1,338
Large Cities $1,720

These rate differences illustrate why all drivers should compare rates based on a specific location 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.

More Rate Information

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

  • The best full coverage rate is $733
  • Drivers who choose higher $1,000 deductibles will pay around $180 each year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,274
  • Buying low deductibles for comprehensive and collision insurance increases the price to $1,628
  • High risk drivers with multiple tickets or accidents could pay upwards of $2,748
  • An auto insurance policy to insure a teen driver may cost $4,664 a year

View Chart as Image

Toyota Prius insurance cost comparison chart
Column chart showing Toyota Prius insurance rates range from $733 to $4,664 for full coverage

Car insurance prices for a Toyota Prius also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Prius.

Opting for high physical damage deductibles could save up to $540 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Toyota Prius insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,720 on average in Michigan, New York, and Florida.

Toyota Prius Insurance Rates by State
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%

View Chart as Image

Toyota Prius insurance rates by U.S. city
Toyota Prius Insurance Rates by Model Year
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 Right Toyota Prius Insurance

Finding better rates on Toyota Prius insurance not only requires having a decent driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop once a year by getting quotes from direct insurance companies, and also from several local insurance agents.

The following items are a quick rundown of the data that was touched on in the above illustrations.

  • It is possible to save as much as $150 per year just by quoting online in advance
  • Drivers who require additional liability coverage will pay around $370 annually to go from 30/60 bodily injury limits to a 250/500 level
  • 16 to 18-year-old drivers are expensive to insure, with premiums being up to $389 per month if the policy includes full coverage
  • High-risk drivers with reckless driving or DUI convictions pay on average $1,470 more each year than a driver with a clean driving record

Rates by Driver Age

Toyota Prius Insurance 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

Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,628
$250 $1,464
$500 $1,274
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
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

Toyota Prius Insurance 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.

SR-22 Surcharge $176

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
Rate after discounts $733

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

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles