Toyota Prius Prime Insurance Rates

The average insurance prices for a Toyota Prius Prime are $1,336 every 12 months with full coverage. Comprehensive costs an estimated $292 each year, collision insurance costs $524, and liability coverage is $384. Buying just liability costs around $432 a year, and insurance for high-risk drivers costs around $2,892. Teens cost the most to insure at up to $4,936 a year.

Average premium for full coverage: $1,336

Policy rates broken down by type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Prius Prime models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine insurance prices.

The examples above demonstrate why all drivers should compare rates quotes for a targeted area and their own driving history, 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 details average Toyota Prius Prime insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $762
• Raising to $1,000 deductibles will save approximately $186 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,336
• Selecting low deductibles increases the price to $1,696
• Unlucky drivers with serious driving violations could pay up to $2,892
• Policy cost to insure a teenage driver can cost as much as $4,936

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $550 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $345 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 134% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Toyota Prius Prime insurance rates. A middle-age driver might find rates as low as $960 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,800 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for Low Cost Toyota Prius Prime Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at least every other year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The items below are a review of the car insurance concepts covered in the charts and tables above.

• Drivers who have several accidents or serious violations may pay on average $1,560 more annually to insure their Prius Prime
• You may be able to save approximately $160 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Consumers who want more liability coverage will pay approximately $420 every year to raise from a 30/60 limit to a 250/500 level