Toyota Prius Prime Insurance Rates

Average insurance rates for a Toyota Prius Prime are $1,298 a year including full coverage. Comprehensive costs around $280 each year, collision insurance costs $494, and liability coverage is estimated at $388. Liability-only coverage costs approximately $434 a year, and high-risk coverage costs around $2,808. Teenage drivers receive the highest rates at up to $4,818 a year.

Average premium for full coverage: $1,298

Rate estimates for individual coverage type:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Prius Prime models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $742
• Choosing higher $1,000 deductibles can save about $178 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,298
• Using low deductibles for comp and collision coverage bumps up the cost to $1,638
• Drivers who are prone to accidents and violations could pay at least $2,808
• The cost that insures a teenage driver can be $4,818 each year

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying at least $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges around 44% to 129% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Toyota Prius Prime insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $520 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Toyota Prius Prime Insurance

Saving money on auto insurance takes being a safe and courteous driver, having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare prices every couple of years by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a quick review of the material that was touched on in this article.

• Consumers who may need higher levels of liability will pay an extra $430 per year to raise limits from a minimum limit to the 250/500 level
• Teenage drivers are the costliest to insure, as much as $402 per month if full coverage is purchased
• Drivers with a DUI or reckless driving violation may have to pay on average $1,510 more every year for auto insurance
• Increasing deductibles can save approximately $525 each year