Toyota Prius Prime Insurance Rates

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UPDATED: May 21, 2024

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

Average premium for full coverage: $1,298

Price estimates for individual coverage:

Comprehensive $280
Collision $494
Liability $388

Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Prius Prime models.

Price Range from Low to High

For a driver around age 40, Toyota Prius Prime insurance prices range from as low as $434 for your basic liability-only policy to the much higher price of $2,808 for a driver who requires high-risk insurance.

Liability Only $434
Full Coverage $1,298
High Risk $2,808

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $974
Small Cities $1,363
Large Cities $1,752

The ranges above highlight why everyone should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on average rates.

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

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More 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
  • Raising to $1,000 deductibles will save about $178 every year
  • The average rate for the average middle-age driver using $500 deductibles is $1,298
  • Using pricier low deductibles will increase the cost to $1,638
  • Drivers who are prone to accidents and violations could pay at least $2,808
  • The price for full coverage for a 16-year-old driver for full coverage can be $4,818

View Chart as Image

Toyota Prius Prime insurance cost comparison chart
Column chart showing Toyota Prius Prime insurance rates range from $742 to $4,818 for full coverage

Auto insurance prices for a Toyota Prius Prime are also quite variable based on your driving record, the model of your Prius Prime, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $4,800 a year. View Rates by Age

The state you live in also has a big influence on Toyota Prius Prime insurance prices. A middle-age driver might find prices 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.

Toyota Prius Prime Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,172 -$126 -9.7%
Alaska $992 -$306 -23.6%
Arizona $1,076 -$222 -17.1%
Arkansas $1,298 -$0 0.0%
California $1,478 $180 13.9%
Colorado $1,238 -$60 -4.6%
Connecticut $1,332 $34 2.6%
Delaware $1,464 $166 12.8%
Florida $1,618 $320 24.7%
Georgia $1,198 -$100 -7.7%
Hawaii $932 -$366 -28.2%
Idaho $878 -$420 -32.4%
Illinois $964 -$334 -25.7%
Indiana $978 -$320 -24.7%
Iowa $876 -$422 -32.5%
Kansas $1,230 -$68 -5.2%
Kentucky $1,768 $470 36.2%
Louisiana $1,918 $620 47.8%
Maine $798 -$500 -38.5%
Maryland $1,072 -$226 -17.4%
Massachusetts $1,034 -$264 -20.3%
Michigan $2,250 $952 73.3%
Minnesota $1,086 -$212 -16.3%
Mississippi $1,554 $256 19.7%
Missouri $1,150 -$148 -11.4%
Montana $1,392 $94 7.2%
Nebraska $1,020 -$278 -21.4%
Nevada $1,554 $256 19.7%
New Hampshire $936 -$362 -27.9%
New Jersey $1,448 $150 11.6%
New Mexico $1,146 -$152 -11.7%
New York $1,364 $66 5.1%
North Carolina $746 -$552 -42.5%
North Dakota $1,062 -$236 -18.2%
Ohio $894 -$404 -31.1%
Oklahoma $1,330 $32 2.5%
Oregon $1,186 -$112 -8.6%
Pennsylvania $1,236 -$62 -4.8%
Rhode Island $1,728 $430 33.1%
South Carolina $1,174 -$124 -9.6%
South Dakota $1,092 -$206 -15.9%
Tennessee $1,134 -$164 -12.6%
Texas $1,562 $264 20.3%
Utah $960 -$338 -26.0%
Vermont $886 -$412 -31.7%
Virginia $776 -$522 -40.2%
Washington $998 -$300 -23.1%
West Virginia $1,188 -$110 -8.5%
Wisconsin $896 -$402 -31.0%
Wyoming $1,154 -$144 -11.1%

View Chart as Image

Toyota Prius Prime insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $520 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 in extra premium each year, depending on your age. Toyota Prius Prime insurance for high-risk drivers is expensive and can cost from 44% to 129% more than a normal policy. View High Risk Driver Rates

Toyota Prius Prime Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Prius Prime $344 $626 $338 $1,444
2023 Toyota Prius Prime $332 $610 $354 $1,432
2022 Toyota Prius Prime $320 $586 $364 $1,406
2021 Toyota Prius Prime $304 $564 $376 $1,380
2020 Toyota Prius Prime $292 $524 $384 $1,336
2019 Toyota Prius Prime $280 $494 $388 $1,298
2018 Toyota Prius Prime $268 $442 $390 $1,236

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 Toyota Prius Prime Insurance

Getting lower rates on insurance for a Toyota Prius Prime consists of not taking risks behind the wheel, having good credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief recap of the concepts that were covered above.

  • Drivers considered higher risk who tend to receive serious violations pay on average $1,510 more every year for Prius Prime insurance
  • Teens are expensive to insure, possibly costing $402 a month if they have full coverage
  • You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save around $525 each year
  • You may be able to save up to $160 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Toyota Prius Prime Insurance Rates by Driver Age
Driver Age Premium
16 $4,818
20 $2,984
30 $1,352
40 $1,298
50 $1,184
60 $1,164

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Prime Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,480
$500 $1,298
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Prime Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,298
50/100 $1,376
100/300 $1,473
250/500 $1,725
100 CSL $1,414
300 CSL $1,628
500 CSL $1,783

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Prime Insurance Rates for High Risk Drivers
Age Premium
16 $6,884
20 $4,754
30 $2,868
40 $2,808
50 $2,676
60 $2,652

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 $182

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $96
5-yr Claim Free $85
Paid in Full/EFT $60
Advance Quote $65
Online Quote $93
Total Discounts $556
Rate after discounts $742

Discounts are estimated and may not be available from every company or in every state.

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