Toyota Prius Prime Insurance Rates

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2018 Toyota Prius Prime Insurance Quotes in 2025

Having to pay for overpriced Toyota Prius Prime insurance can sap your accounts and put a big crunch on your finances. Getting a rate comparison can lower your rates and help to tighten up your finances. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with TV and radio ads and it can be hard to not get sucked in by the cute commercials and eff...

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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...

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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:

Comprehensive $292
Collision $524
Liability $384

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.

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

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.

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

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

View Chart as Image

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

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.

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

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.

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 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

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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