Toyota Prius Insurance Rates

Estimated insurance rates for a Toyota Prius are $1,286 a year for full coverage. Comprehensive insurance costs around $306, collision insurance costs $512, and liability is $332. A liability-only policy costs around $388 a year, and high-risk insurance costs $2,762 or more. Teenage drivers pay the most at up to $4,662 a year.

Average premium for full coverage: $1,286

Premium estimates for type of coverage:

Estimates include $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all Prius models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities. The example below illustrates the difference location can make on auto insurance rates.

These rate differences show why everyone should compare rates quotes for a specific zip code, instead of using average rates.

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

Additional Rate Information

The chart below shows average Toyota Prius insurance rates for additional coverage choices and driver risks.

• The best discount rate is $739
• Raising to $1,000 deductibles will save about $186 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,286
• Using pricier low deductibles will cost an additional $358 every year
• At-risk drivers who are prone to accidents and violations could pay at least $2,762
• An auto insurance policy that insures a teen driver for full coverage can be $4,662

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Auto insurance prices for a Toyota Prius also have a wide range based on the model of your Prius, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,500 to $2,100 in extra premium annually, depending on your age. Toyota Prius insurance for high-risk drivers is expensive and can cost as much as 45% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

Where you choose to live also has a big influence on Toyota Prius insurance prices. A middle-age driver might find prices as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles can reduce prices by up to $550 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $299 extra every year. View Rates by Deductible or Liability Limit

How to Find Low Cost Toyota Prius Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare prices every couple of years by requesting quotes from direct carriers, and also from several local insurance agents.

The following is a review of the material that was touched on in this article.

• Policyholders who may need higher liability limits will pay an extra $370 each year to raise from 30/60 bodily injury limits to the 250/500 level
• Teens are expensive to insure, as much as $389 per month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations pay on average $1,480 more every year for Prius insurance
• Increasing policy deductibles can save approximately $550 each year