Toyota Prius Insurance Rates
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UPDATED: Mar 30, 2024
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The average auto insurance rates for a Toyota Prius are $1,286 annually with full coverage. Comprehensive insurance costs approximately $306, collision costs $512, and liability is estimated at $332. A liability-only policy costs approximately $388 a year, with high-risk insurance costing $2,762 or more. Teen drivers cost the most to insure at $4,662 a year or more.
Average premium for full coverage: $1,286
Policy rates by type of insurance:
Includes $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Prius models.
Price Range Variability
For the normal driver, Toyota Prius insurance rates go from as cheap as $388 for liability-only coverage to the much higher price of $2,762 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas.
The example below illustrates how geographic area affects auto insurance prices.
The examples above demonstrate why everyone should get quotes using their specific location and their own personal driving habits, instead of using price 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.
Additional Charts and Tables
The chart below details estimated Toyota Prius insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $739
- Choosing higher $1,000 deductibles can save $186 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,286
- Choosing pricier low deductibles for comp and collision coverage costs an additional $358 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,762 or more
- Policy cost with full coverage for a teen driver for full coverage can cost $4,662 each year
Car insurance rates for a Toyota Prius also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. Toyota Prius insurance for high-risk drivers ranges as much as 45% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $550 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $299 extra every 12 months. View Rates by Deductible or Liability Limit
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 $920 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,730 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes will be varied between companies.
| 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 the Cheapest Toyota Prius Insurance
Finding cheaper rates on car insurance takes having a good driving record, having a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to compare rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a recap of the car insurance concepts presented in the illustrations above.
- Higher risk drivers that have major violations or accidents may pay on average $1,480 more per year to buy Toyota Prius insurance
- You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $550 each year
- Policyholders who purchase increased levels of liability coverage will pay about $370 every year to raise limits from a 30/60 limit to higher 250/500 limits
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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