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: Mar 30, 2024

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Toyota Prius c insurance

Average insurance rates for a Toyota Prius are $1,274 a year for full coverage insurance. Comprehensive costs around $294 a year, collision insurance costs $506, and liability costs around $338. Buying just liability costs as low as $394 a year, and insurance for high-risk drivers costs around $2,748. Teens receive the highest rates at up to $4,664 a year.

Average premium for full coverage: $1,274

Rate estimates for individual coverage type:

Comprehensive $294
Collision $506
Liability $338

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Prius trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from the low end price of $394 for your basic liability-only policy to a high of $2,748 for high-risk insurance.

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

Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance rates.

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

These examples illustrate why it is important to compare prices for a specific zip code, instead of making a decision based 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.

More Rate Information

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

  • The cheapest rate after discounts is $733
  • Using higher $1,000 deductibles will save about $1,094 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,274
  • Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,628
  • High-risk insureds with serious driving violations could pay at least $2,748
  • The cost that insures a 16-year-old driver can be $4,664 or more

View Chart as Image

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

Auto insurance rates for a Toyota Prius can also vary considerably based on the trim level of your Prius, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,500 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 43% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age

Where you live has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,720 on average in Michigan, New York, and Florida.

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit

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 insurance for a Toyota Prius requires avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a review of the material that was presented in the illustrations above.

  • Insureds who may need increased liability limits will pay approximately $370 annually to increase from a minimum limit to the 250/500 level
  • Drivers under the age of 20 are expensive to insure, costing up to $389 per month if the policy includes full coverage
  • Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,470 more every year to insure a Toyota Prius
  • Increasing deductibles can save approximately $525 each year

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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