Toyota Prius Insurance Rates
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UPDATED: Jun 7, 2023
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Estimated auto insurance rates for a Toyota Prius are $1,286 annually including full coverage. Comprehensive insurance costs an estimated $306, collision insurance costs $512, and liability insurance is estimated at $332. A liability-only policy costs approximately $388 a year, and high-risk insurance costs $2,762 or more. Teens pay the most at up to $4,662 a year.
Average premium for full coverage: $1,286
Premium estimates broken down by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different Prius trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota Prius range from as cheap as $388 for the bare minimum liability coverage to a much higher rate of $2,762 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change insurance prices.
These rate differences highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.
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 Information
The chart below breaks down average Toyota Prius insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $739
- Choosing higher $1,000 deductibles can save approximately $186 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,286
- Selecting more expensive low deductibles for comp and collision coverage costs an additional $358 a year
- High-risk insureds with serious driving violations could pay up to $2,762
- An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,662 each year
Auto insurance prices for a Toyota Prius also have a wide range based on the model of your Prius, your driving characteristics, and liability limits and deductibles.
An older driver with a good driving record and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance ranges anywhere from 45% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $550 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $299 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Toyota Prius insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,830 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Buy More Affordable Toyota Prius Insurance
Finding better rates on Toyota Prius insurance takes having a decent driving record, having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Invest the time to shop around every couple of years by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
The following items are a summary of the material that was illustrated above.
- Drivers who want additional liability coverage will pay approximately $370 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $389 per month if full coverage is included
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,480 more annually than a driver with a clean driving record
- Increasing policy deductibles could save up to $550 each year
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.
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