Toyota Prius Insurance Rates

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

Average premium for full coverage: $1,274

Premium estimates by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Prius trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $733
• Raising to $1,000 deductibles will save $180 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,274
• Using more expensive low deductibles bumps up the cost to $1,628
• Drivers who are prone to accidents and violations could pay around $2,748 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost $4,664

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Insurance prices for a Toyota Prius also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,000 additional annually, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low 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 should be prepared to pay in the ballpark of $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 $920 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,720 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles can reduce prices by up to $540 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $304 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different.

How to Find More Affordable Toyota Prius Insurance

Finding better rates on insurance for a Toyota Prius consists of being a low-risk driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices every time your policy renews by requesting quotes from direct companies, and also from local insurance agencies.

The items below are a summary of the information touched on in this article.

• You may be able to save around $150 per year simply by shopping early and online
• Teen drivers are the costliest to insure, possibly costing $389 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $525 each year
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,470 more per year to insure their Prius
• Insureds who purchase more liability coverage will pay an extra $370 every year to raise from 30/60 bodily injury limits to the 250/500 level