Toyota Prius Prime Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 21, 2024
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The average insurance rates for a Toyota Prius Prime are $1,336 a year for full coverage. Comprehensive insurance costs approximately $292, collision costs $524, and liability is estimated at $384. Liability-only insurance costs approximately $432 a year, with high-risk driver insurance costing $2,892 or more. 16-year-old drivers cost the most to insure at $4,936 a year or more.
Average premium for full coverage: $1,336
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different Prius Prime trim levels.
Price Range Variability
For a driver in their 40's, Toyota Prius Prime insurance rates go from as low as $432 for just liability insurance to a much higher rate of $2,892 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than congested cities.
The price range example below illustrates how location helps determine auto insurance prices.
The examples above show why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based on rate 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.
More Rate Details
The chart below shows estimated Toyota Prius Prime insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $762
- Choosing higher $1,000 deductibles can save $186 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,336
- Buying more expensive low deductibles for comp and collision coverage will cost an extra $360 annually
- Higher-risk drivers with multiple tickets or accidents could pay around $2,892 or more
- Policy cost for full coverage for a 16-year-old driver with full coverage can cost $4,936 each year
Auto insurance rates for a Toyota Prius Prime also range considerably based on your risk profile, the trim level of your Prius Prime, and physical damage deductibles and liability limits.
An older driver with a good driving record and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,900 a year. View Rates by Age
Your home state plays a big part in determining prices for Toyota Prius Prime insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Iowa, Maine, and Idaho, or at least $1,900 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,206 | -$130 | -9.7% |
| Alaska | $1,024 | -$312 | -23.4% |
| Arizona | $1,106 | -$230 | -17.2% |
| Arkansas | $1,336 | -$0 | 0.0% |
| California | $1,522 | $186 | 13.9% |
| Colorado | $1,272 | -$64 | -4.8% |
| Connecticut | $1,370 | $34 | 2.5% |
| Delaware | $1,508 | $172 | 12.9% |
| Florida | $1,666 | $330 | 24.7% |
| Georgia | $1,234 | -$102 | -7.6% |
| Hawaii | $960 | -$376 | -28.1% |
| Idaho | $904 | -$432 | -32.3% |
| Illinois | $994 | -$342 | -25.6% |
| Indiana | $1,008 | -$328 | -24.6% |
| Iowa | $902 | -$434 | -32.5% |
| Kansas | $1,268 | -$68 | -5.1% |
| Kentucky | $1,820 | $484 | 36.2% |
| Louisiana | $1,976 | $640 | 47.9% |
| Maine | $824 | -$512 | -38.3% |
| Maryland | $1,100 | -$236 | -17.7% |
| Massachusetts | $1,064 | -$272 | -20.4% |
| Michigan | $2,316 | $980 | 73.4% |
| Minnesota | $1,118 | -$218 | -16.3% |
| Mississippi | $1,600 | $264 | 19.8% |
| Missouri | $1,184 | -$152 | -11.4% |
| Montana | $1,434 | $98 | 7.3% |
| Nebraska | $1,050 | -$286 | -21.4% |
| Nevada | $1,600 | $264 | 19.8% |
| New Hampshire | $962 | -$374 | -28.0% |
| New Jersey | $1,492 | $156 | 11.7% |
| New Mexico | $1,180 | -$156 | -11.7% |
| New York | $1,406 | $70 | 5.2% |
| North Carolina | $768 | -$568 | -42.5% |
| North Dakota | $1,092 | -$244 | -18.3% |
| Ohio | $920 | -$416 | -31.1% |
| Oklahoma | $1,370 | $34 | 2.5% |
| Oregon | $1,224 | -$112 | -8.4% |
| Pennsylvania | $1,272 | -$64 | -4.8% |
| Rhode Island | $1,780 | $444 | 33.2% |
| South Carolina | $1,210 | -$126 | -9.4% |
| South Dakota | $1,126 | -$210 | -15.7% |
| Tennessee | $1,168 | -$168 | -12.6% |
| Texas | $1,610 | $274 | 20.5% |
| Utah | $988 | -$348 | -26.0% |
| Vermont | $912 | -$424 | -31.7% |
| Virginia | $798 | -$538 | -40.3% |
| Washington | $1,030 | -$306 | -22.9% |
| West Virginia | $1,224 | -$112 | -8.4% |
| Wisconsin | $922 | -$414 | -31.0% |
| Wyoming | $1,188 | -$148 | -11.1% |
Opting for high physical damage deductibles can save as much as $550 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance ranges from 45% to 134% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius Prime | $358 | $630 | $332 | $1,456 |
| 2023 Toyota Prius Prime | $344 | $626 | $338 | $1,444 |
| 2022 Toyota Prius Prime | $332 | $610 | $354 | $1,432 |
| 2021 Toyota Prius Prime | $320 | $586 | $364 | $1,406 |
| 2020 Toyota Prius Prime | $304 | $564 | $376 | $1,380 |
| 2019 Toyota Prius Prime | $292 | $524 | $384 | $1,336 |
| 2018 Toyota Prius Prime | $280 | $494 | $388 | $1,298 |
Rates are averaged for all Toyota Prius Prime 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 the Best Cheap Toyota Prius Prime Insurance
Finding cheaper rates on insurance for a Toyota Prius Prime takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates every couple of years by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a quick review of the material that was covered in the charts and tables above.
- Insureds who purchase increased liability limits will pay around $420 each year to raise limits from a 30/60 limit to 250/500 limits
- Drivers under the age of 20 have the highest car insurance rates, costing up to $411 each month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,560 more per year to insure a Toyota Prius Prime
- Increasing comprehensive and collision deductibles can save around $550 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,936 |
| 20 | $3,076 |
| 30 | $1,394 |
| 40 | $1,336 |
| 50 | $1,220 |
| 60 | $1,198 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,696 |
| $250 | $1,528 |
| $500 | $1,336 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,336 |
| 50/100 | $1,413 |
| 100/300 | $1,509 |
| 250/500 | $1,758 |
| 100 CSL | $1,451 |
| 300 CSL | $1,662 |
| 500 CSL | $1,816 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,064 |
| 20 | $4,900 |
| 30 | $2,958 |
| 40 | $2,892 |
| 50 | $2,758 |
| 60 | $2,732 |
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 | $72 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $62 |
| Advance Quote | $67 |
| Online Quote | $96 |
| Total Discounts | $574 |
Discounts are estimated and may not be available from every company or in every state.
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