Toyota Prius Insurance Rates

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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...

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UPDATED: Jun 5, 2023

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Toyota Prius c insurance

Average insurance rates for a Toyota Prius are $1,274 a year with full coverage. Comprehensive insurance costs around $294, collision costs $506, and liability coverage is $338. Liability-only coverage costs around $394 a year, with high-risk coverage costing $2,748 or more. Teenage drivers receive the highest rates at $4,664 a year or more.

Average premium for full coverage: $1,274

Rate estimates for individual coverage type:

Comprehensive $294
Collision $506
Liability $338

Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Prius models.

Price Range by Coverage and Risk

For an average driver, prices range go from the low end price of $394 for liability-only coverage to the much higher price of $2,748 for a driver that may need high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities.

The example below illustrates the effect of geographic area on auto insurance rates.

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

These examples demonstrate why everyone should compare rates quotes for a specific zip code, rather than using average rates.

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 Charts and Tables

The chart below details estimated Toyota Prius insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $733
  • Raising to $1,000 deductibles will save about $180 annually
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,274
  • Using pricier low deductibles will cost an additional $354 each year
  • Unlucky drivers who are prone to accidents and violations could pay at least $2,748 or more
  • The cost that insures a teenage driver for full coverage can be $4,664

View Chart as Image

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

Car insurance rates for a Toyota Prius can also vary considerably based on the model of your Prius, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,500 to $2,000 extra per year, depending on your age. Toyota Prius insurance for high-risk drivers is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

Where you live also has a big influence on Toyota Prius insurance rates. A middle-age driver might find rates as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,720 on average in Florida, Michigan, and New York.

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

Using high physical damage deductibles can reduce rates by up to $540 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out your exact price is to regularly compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different.

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 Find Low Cost Toyota Prius Insurance

Saving money on auto insurance consists of being safe and accident-free, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a review of the data that was covered in the above illustrations.

  • You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
  • Consumers who may need more liability protection will pay an extra $370 every year to raise from a minimum limit to the 250/500 level
  • Youthful drivers are the costliest to insure, with premiums as much as $389 per month if full coverage is purchased
  • Drivers who have several accidents or serious violations may pay on average $1,470 more every year than a low-risk driver

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.

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