Toyota Prius Prime Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 21, 2024
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Average insurance prices for a Toyota Prius Prime are $1,298 every 12 months including full coverage. Comprehensive insurance costs around $280 each year, collision insurance costs $494, and liability is $388. A policy with just liability insurance costs around $434 a year, and coverage for high-risk drivers costs $2,808 or more. Teens receive the highest rates at up to $4,818 a year.
Average premium for full coverage: $1,298
Rate estimates for individual coverage type:
Prices are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Prius Prime models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the cheapest price of $434 for your basic liability-only policy to a high rate of $2,808 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance rates.
These examples highlight why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of using averaged prices.
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.
More Rate Information
The chart below breaks down average Toyota Prius Prime insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $742
- Raising to $1,000 deductibles will save about $178 every year
- The average price for a 40-year-old driver using $500 deductibles is $1,298
- Selecting low deductibles costs an extra $340 every year
- At-risk drivers with serious driving violations could pay at least $2,808
- The cost to insure a teen driver can be $4,818
Insurance rates for a Toyota Prius Prime can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 129% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Toyota Prius Prime insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,850 on average in Michigan, New York, and Louisiana.
| 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
Saving money on car insurance consists of having a good driving record, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a brief review of the data touched on in the above illustrations.
- Policyholders who may need increased levels of liability coverage will pay approximately $430 per year to raise from a minimum limit to a 250/500 level
- You may be able to save up to $160 per year just by quoting online in advance
- Increasing deductibles could save as much as $525 each year
- Drivers age 20 and younger are charged the highest rates, as much as $402 per month if full coverage is included
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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