Toyota Prius Insurance Rates

Estimated auto insurance rates for a Toyota Prius are $1,274 annually with full coverage. Comprehensive insurance costs an estimated $294 each year, collision insurance costs $506, and liability costs around $338. A policy with only liability insurance costs as low as $394 a year, and a high-risk policy costs $2,748 or more. Teen drivers pay the most at up to $4,664 a year.

Average premium for full coverage: $1,274

Premium estimates broken down by type of coverage:

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and Prius models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.

These rate differences demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

The chart below details average Toyota Prius insurance rates for other coverage scenarios.

• The lowest rate with discounts is $733
• Using higher $1,000 deductibles will save approximately $180 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,274
• Choosing low deductibles for physical damage coverage costs an additional $354 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,748
• An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $4,664 or more

View Chart as Image

Car insurance prices for a Toyota Prius also have a wide range based on the model of your Prius, your driving record, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $4,600 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be from 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $540 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Toyota Prius insurance prices. A driver around age 40 might see prices as low as $920 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,720 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy Affordable Toyota Prius Insurance

Finding better rates on insurance for a Toyota Prius requires having a good driving record, having a good credit score, being claim-free, and possibly higher deductibles. Set aside time to shop around at least once a year by requesting quotes from direct companies, and also from several local insurance agents.

The next list is a brief review of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $150 per year just by quoting online in advance
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,470 more annually to buy Toyota Prius insurance
• Increasing policy deductibles could save up to $525 each year
• Drivers age 20 and younger have the highest car insurance prices, possibly costing $389 per month if comprehensive and collision insurance is included