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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Estimated auto insurance rates for a Toyota Prius Prime are $1,336 annually with full coverage. Comprehensive costs on average $292 a year, collision costs $524, and liability insurance is estimated at $384. A liability-only policy costs approximately $432 a year, with high-risk insurance costing around $2,892. Teenage drivers pay the most at $4,936 a year or more.

Average premium for full coverage: $1,336

Premium estimates by type of coverage:

Comprehensive $292
Collision $524
Liability $384

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Prius Prime trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Toyota Prius Prime go from as cheap as $432 for just liability coverage to a high of $2,892 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities.

The diagram below illustrates how geographic area affects car insurance rates.

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

These rate differences demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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 different risk profiles and scenarios.

  • The best discount rate is $762
  • Choosing higher $1,000 deductibles can save around $1,150 annually
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,336
  • Using low $100 deductibles for comp and collision coverage will cost $1,696
  • High-risk insureds who are prone to accidents and violations could pay upwards of $2,892 or more
  • An auto insurance policy with full coverage for a teen driver may cost $4,936 each year

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

Auto insurance prices for a Toyota Prius Prime also have a wide range based on the model of your Prius Prime, your driving record, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $550 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 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 rates. A good driver about age 40 could pay as low as $960 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay 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

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different 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 Affordable Toyota Prius Prime Insurance

Finding better rates on Toyota Prius Prime insurance takes having a decent driving record, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates at least once a year by quoting rates from direct companies, and also from local independent and exclusive agents.

The following items are a brief review of the primary concepts that were presented in the illustrations above.

  • You may be able to save as much as $160 per year simply by quoting early and online
  • High-risk drivers with DUI or reckless driving convictions pay an average of $1,560 more each year than a driver with a clean driving record
  • Increasing policy deductibles could save up to $550 each year
  • 16 to 18-year-old drivers are charged the highest prices, possibly costing $411 per month if full coverage is included

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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