Toyota Prius Insurance Rates

The average insurance rates for a Toyota Prius are $1,274 a year for full coverage insurance. Comprehensive costs approximately $294, collision costs $506, and liability is estimated at $338. Liability-only coverage costs approximately $394 a year, with high-risk coverage costing around $2,748. Teenage drivers cost the most to insure at $4,664 a year or more.

Average premium for full coverage: $1,274

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Prius models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how location helps determine auto insurance prices.

The examples above illustrate why everyone should get quotes using their specific location, instead of using average rates.

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

Additional Rate Details

The chart below illustrates estimated Toyota Prius insurance rates for additional coverage and risk scenarios.

• The best discount rate is $733
• Choosing higher $1,000 deductibles can save $180 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,274
• Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,628
• Unlucky drivers who are prone to accidents and violations could pay around $2,748 or more
• Policy cost that insures a teen driver for full coverage can cost $4,664 each year

View Chart as Image

Insurance rates for a Toyota Prius also range considerably based on the model of your Prius, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,500 to $2,000 additional every year, depending on your age. Toyota Prius insurance for high-risk drivers ranges as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Toyota Prius insurance prices. A good driver about age 40 could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,720 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $540 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates will be varied.

How to Find the Cheapest Toyota Prius Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices at every other renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a recap of the concepts that were covered in the charts and tables above.

• Higher risk drivers that have major violations or accidents could be charged and average of $1,470 more per year to insure their Prius
• Teen drivers are the costliest to insure, possibly costing $389 each month if comprehensive and collision insurance is included
• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date