Toyota Prius Prime Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 21, 2024
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The average auto insurance rates for a Toyota Prius Prime are $1,336 annually with full coverage. Comprehensive costs around $292, collision costs $524, and liability costs around $384. A liability-only policy costs as low as $432 a year, with high-risk insurance costing around $2,892. Teen drivers cost the most to insure at $4,936 a year or more.
Average premium for full coverage: $1,336
Policy rates for type of insurance:
Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Prius Prime models.
Price Range Variability
For the average driver, Toyota Prius Prime insurance rates go from as cheap as $432 for just liability coverage to the much higher price of $2,892 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have fewer collision claims than larger metro areas.
The example below illustrates how location impacts auto insurance rates.
The examples above demonstrate why everyone should compare prices for a specific zip code 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.
Detailed Rate Analysis
The chart below details estimated Toyota Prius Prime insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $762
- Using higher $1,000 deductibles will save about $186 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,336
- Choosing pricier low deductibles for physical damage coverage will cost $1,696
- Drivers with multiple violations and an at-fault accident could pay at least $2,892 or more
- Policy cost with full coverage for a teen driver for full coverage can be $4,936 or more
Car insurance rates for a Toyota Prius Prime also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. Toyota Prius Prime insurance for high-risk drivers can be as much as 45% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $550 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Toyota Prius Prime insurance prices. A driver around age 40 might see rates as low as $960 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,800 on average in Florida, Michigan, and New York.
| 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% |
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes will be varied between companies.
| 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 More Affordable Toyota Prius Prime Insurance
Finding cheaper rates on car insurance requires being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Spend time shopping around once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a summary of the data that was touched on above.
- You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
- Policyholders who may need more liability coverage will pay about $420 every year to increase from a 30/60 limit to higher 250/500 limits
- Teen drivers are the costliest to insure, as much as $411 each month if comprehensive and collision insurance is included
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,560 more every year to insure their Prius Prime
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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