Toyota Prius Prime Insurance Rates

The average auto insurance rates for a Toyota Prius Prime are $1,298 annually including full coverage. Comprehensive insurance costs approximately $280 each year, collision costs $494, and liability coverage costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing $2,808 or more. Teens cost the most to insure at $4,818 a year or more.

Average premium for full coverage: $1,298

Policy rates by type of insurance:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Prius Prime models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why all drivers should compare prices using their specific location and their own personal driving habits, rather than using averaged prices.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down estimated Toyota Prius Prime insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $742
• Using higher $1,000 deductibles will save $178 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,298
• Selecting low deductibles for physical damage coverage costs an additional $340 each year
• Higher-risk drivers with serious driving violations could pay around $2,808 or more
• Policy cost with full coverage for a teenage driver can cost $4,818 or more

View Chart as Image

Insurance rates for a Toyota Prius Prime also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be around 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $520 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Toyota Prius Prime insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, and rates will be varied between companies.

How to Buy Low Cost Toyota Prius Prime Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a review of the information raised in the charts and tables above.

• You may be able to save around $160 per year simply by quoting online in advance
• Teens are the costliest to insure, with premiums being up to $402 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Drivers who have several accidents or serious violations may have to pay on average $1,510 more per year for Prius Prime insurance
• Consumers who purchase higher liability limits will pay approximately $430 per year to increase from a 30/60 limit to higher 250/500 limits