Toyota Prius Prime Insurance Rates
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Michelle Robbins
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UPDATED: May 21, 2024
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The average insurance prices for a Toyota Prius Prime are $1,298 every 12 months with full coverage. Comprehensive insurance costs around $280 a year, collision insurance costs $494, and liability insurance costs $388. A liability-only policy costs as little as $434 a year, and high-risk insurance costs $2,808 or more. Teen drivers cost the most to insure at up to $4,818 a year.
Average premium for full coverage: $1,298
Policy rates for type of insurance:
Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Prius Prime trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Toyota Prius Prime insurance rates range from the cheapest price of $434 for just liability coverage to a high of $2,808 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above demonstrate why it is important to compare rates for a specific zip code and their own driving history, rather than relying on 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 average Toyota Prius Prime insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $742
- Drivers who choose higher $1,000 deductibles will pay about $1,120 annually
- The average price for a good driver age 40 using $500 deductibles is $1,298
- Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $340 a year
- High risk drivers with multiple violations and an at-fault accident could pay at least $2,808
- Policy cost to insure a teen driver can be $4,818 a year
Car insurance rates for a Toyota Prius Prime also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.
Choosing high deductibles could save up to $520 each year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $4,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 129% more than average. View High Risk Driver Rates
Your home state makes a big difference in Toyota Prius Prime insurance rates. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,750 on average in Florida, Michigan, and New York.
| 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% |
| 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 Shop for Affordable Toyota Prius Prime Insurance
Finding cheaper rates on Toyota Prius Prime insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to shop around every year by getting quotes from direct companies, and also from several local insurance agents.
The items below are a brief review of the coverage data raised in the charts and tables above.
- You may be able to save up to $160 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $525 each year
- Teen drivers are the costliest to insure, as much as $402 each month if the policy includes full coverage
- High-risk drivers with DUI or reckless driving convictions pay on average $1,510 more every year to insure their Prius Prime
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,638 |
| $250 | $1,480 |
| $500 | $1,298 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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