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...
Licensed Insurance Agent
UPDATED: May 21, 2024
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Estimated auto insurance rates for a Toyota Prius Prime are $1,298 annually including full coverage. Comprehensive costs approximately $280 a year, collision costs $494, and liability is estimated at $388. A liability-only policy costs approximately $434 a year, with high-risk insurance costing around $2,808. Teen drivers pay the most at $4,818 a year or more.
Average premium for full coverage: $1,298
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Prius Prime trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Toyota Prius Prime go from as cheap as $434 for your basic liability-only policy to a high of $2,808 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates how location impacts auto insurance prices.
These rate differences highlight why it is important to get quotes using their specific location and their own personal driving habits, instead of making a decision based 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.
More Rate Information
The chart below breaks down estimated Toyota Prius Prime insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $742
- Choosing higher $1,000 deductibles can save $1,120 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,298
- Choosing low $100 deductibles for comp and collision coverage will cost $1,638
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,808 or more
- An auto insurance policy with full coverage for a 16-year-old driver can cost $4,818 each year
Auto insurance prices for a Toyota Prius Prime also have a wide range based on the model of your Prius Prime, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges from 44% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $520 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Toyota Prius Prime insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,850 on average in Louisiana, New York, and Michigan.
| 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% |
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different between companies.
| 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 Buy Low Cost Toyota Prius Prime Insurance
Finding better rates on insurance for a Toyota Prius Prime takes avoiding accidents and claims, having above-average credit, refrain from filing small claims, and not having any coverage lapses. Spend time shopping around once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
The points below are a review of the data that was touched on above.
- You may be able to save around $160 per year simply by quoting early and online
- Insureds who purchase increased liability limits will pay about $430 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- Drivers under the age of 20 have the highest car insurance prices, with the cost nearing $402 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,510 more per year to insure a Toyota 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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