Toyota Prius Prime Insurance Rates

U.S. average insurance rates for a Toyota Prius Prime are $1,298 a year for full coverage. Comprehensive costs an estimated $280 each year, collision insurance costs $494, and liability coverage costs $388. A policy with just liability insurance costs as little as $434 a year, and coverage for high-risk drivers costs around $2,808. Teenage drivers pay the highest rates at up to $4,818 a year.

Average premium for full coverage: $1,298

Price estimates broken down by individual coverage:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Prius Prime models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

The ranges above show why all drivers should compare rates for a targeted area and risk profile, rather than using average rates.

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

Detailed Rate Analysis

The chart below shows average Toyota Prius Prime insurance rates for other coverage scenarios.

• The best discount rate is $742
• Drivers who choose higher $1,000 deductibles will pay approximately $178 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,298
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,638
• High-risk insureds who are prone to accidents and violations could pay up to $2,808
• The price for full coverage for a teenage driver can cost as much as $4,818 a year

View Chart as Image

Insurance prices for a Toyota Prius Prime are also quite variable based on your driving record, the trim level of your Prius Prime, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age

The state you live in makes a big difference in Toyota Prius Prime insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $520 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can cost around 44% to 129% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Toyota Prius Prime Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates every couple of years by requesting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a quick review of the material that was presented in the illustrations above.

• Consumers who want higher levels of liability will pay an extra $430 each year to go from a low limit to 250/500 limits
• Teenage drivers are charged the highest prices, with premiums as much as $402 a month for full coverage
• Drivers with a DUI or reckless driving violation pay an average of $1,510 more annually for auto insurance
• Increasing physical damage deductibles can save around $525 each year