Toyota Prius Prime Insurance Rates

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UPDATED: May 21, 2024

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Average auto insurance rates for a Toyota Prius Prime are $1,336 annually for full coverage insurance. Comprehensive insurance costs approximately $292 a year, collision costs $524, and liability is $384. Liability-only coverage costs around $432 a year, with high-risk coverage costing $2,892 or more. Teen drivers receive the highest rates at $4,936 a year or more.

Average premium for full coverage: $1,336

Rate estimates by individual coverage type:

Comprehensive $292
Collision $524
Liability $384

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Prius Prime trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as cheap as $432 for basic liability insurance to a high of $2,892 for a driver required to buy high-risk insurance.

Liability Only $432
Full Coverage $1,336
High Risk $2,892

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,002
Small Cities $1,403
Large Cities $1,804

These examples illustrate why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of using price 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.

Rate Comparisons

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

  • The lowest rate with discounts is $762
  • Raising to $1,000 deductibles will save $1,150 each year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,336
  • Choosing low $100 deductibles costs an additional $360 every year
  • At-risk drivers with multiple violations and an at-fault accident could pay around $2,892 or more
  • The cost with full coverage for a teen driver can cost $4,936

View Chart as Image

Toyota Prius Prime insurance cost comparison chart
Column chart showing full coverage Toyota Prius Prime insurance prices range from $762 to $4,936

Car insurance rates for a Toyota Prius Prime can also vary considerably based on the trim level of your Prius Prime, your risk profile, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $550 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Toyota Prius Prime insurance prices. A middle-age driver might find rates as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,800 on average in Florida, New York, and Michigan.

Toyota Prius Prime Insurance Rates by State
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%

View Chart as Image

Toyota Prius Prime insurance rates by U.S. city

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.

Toyota Prius Prime Insurance Rates by Model Year
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 Buy Affordable Toyota Prius Prime Insurance

Saving money on car insurance consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around at every policy renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The points below are a brief review of the data raised in the charts and tables above.

  • Policyholders who purchase increased liability limits will pay about $420 annually to raise from a minimum limit to higher 250/500 limits
  • It is possible to save around $160 per year simply by quoting early and online
  • Increasing deductibles could save up to $550 each year
  • Drivers under the age of 20 pay the highest auto insurance rates, costing up to $411 per month if comprehensive and collision insurance is included

Rates by Driver Age

Toyota Prius Prime Insurance 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

Toyota Prius Prime Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,696
$250 $1,528
$500 $1,336
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Prime Insurance Rates with Different Liability Limits
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

Toyota Prius Prime Insurance 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.

SR-22 Surcharge $188

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
Rate after discounts $762

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

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