Toyota Prius Prime Insurance Rates
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UPDATED: May 21, 2024
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The average auto insurance rates for a Toyota Prius Prime are $1,380 annually for full coverage insurance. Comprehensive costs on average $304, collision costs $564, and liability coverage costs around $376. Liability-only insurance costs as low as $426 a year, with high-risk driver insurance costing around $2,994. Teen drivers cost the most to insure at $5,080 a year or more.
Average premium for full coverage: $1,380
Policy rates by type of insurance:
Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Prius Prime trim levels.
Price Range Variability
For a driver in their 40's, Toyota Prius Prime insurance rates go from as cheap as $426 for basic liability insurance to a much higher rate of $2,994 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.
The price range example below illustrates how location helps determine car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than 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.
Rate Comparisons
The chart below illustrates estimated Toyota Prius Prime insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $781
- Using higher $1,000 deductibles will save around $198 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,380
- Choosing more expensive low deductibles for physical damage coverage will cost $1,764
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,994 or more
- Policy cost with full coverage for a teenage driver with full coverage may cost $5,080 or more
Auto insurance rates for a Toyota Prius Prime also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $5,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can be around 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $590 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 extra every 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 $900 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,860 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,246 | -$134 | -9.7% |
| Alaska | $1,056 | -$324 | -23.5% |
| Arizona | $1,144 | -$236 | -17.1% |
| Arkansas | $1,380 | -$0 | 0.0% |
| California | $1,572 | $192 | 13.9% |
| Colorado | $1,318 | -$62 | -4.5% |
| Connecticut | $1,416 | $36 | 2.6% |
| Delaware | $1,560 | $180 | 13.0% |
| Florida | $1,724 | $344 | 24.9% |
| Georgia | $1,276 | -$104 | -7.5% |
| Hawaii | $992 | -$388 | -28.1% |
| Idaho | $934 | -$446 | -32.3% |
| Illinois | $1,026 | -$354 | -25.7% |
| Indiana | $1,040 | -$340 | -24.6% |
| Iowa | $930 | -$450 | -32.6% |
| Kansas | $1,310 | -$70 | -5.1% |
| Kentucky | $1,880 | $500 | 36.2% |
| Louisiana | $2,042 | $662 | 48.0% |
| Maine | $852 | -$528 | -38.3% |
| Maryland | $1,138 | -$242 | -17.5% |
| Massachusetts | $1,100 | -$280 | -20.3% |
| Michigan | $2,394 | $1,014 | 73.5% |
| Minnesota | $1,154 | -$226 | -16.4% |
| Mississippi | $1,652 | $272 | 19.7% |
| Missouri | $1,226 | -$154 | -11.2% |
| Montana | $1,480 | $100 | 7.2% |
| Nebraska | $1,086 | -$294 | -21.3% |
| Nevada | $1,654 | $274 | 19.9% |
| New Hampshire | $994 | -$386 | -28.0% |
| New Jersey | $1,542 | $162 | 11.7% |
| New Mexico | $1,220 | -$160 | -11.6% |
| New York | $1,452 | $72 | 5.2% |
| North Carolina | $794 | -$586 | -42.5% |
| North Dakota | $1,130 | -$250 | -18.1% |
| Ohio | $952 | -$428 | -31.0% |
| Oklahoma | $1,416 | $36 | 2.6% |
| Oregon | $1,264 | -$116 | -8.4% |
| Pennsylvania | $1,314 | -$66 | -4.8% |
| Rhode Island | $1,840 | $460 | 33.3% |
| South Carolina | $1,250 | -$130 | -9.4% |
| South Dakota | $1,164 | -$216 | -15.7% |
| Tennessee | $1,208 | -$172 | -12.5% |
| Texas | $1,662 | $282 | 20.4% |
| Utah | $1,020 | -$360 | -26.1% |
| Vermont | $942 | -$438 | -31.7% |
| Virginia | $826 | -$554 | -40.1% |
| Washington | $1,064 | -$316 | -22.9% |
| West Virginia | $1,264 | -$116 | -8.4% |
| Wisconsin | $952 | -$428 | -31.0% |
| Wyoming | $1,226 | -$154 | -11.2% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius Prime | $376 | $656 | $316 | $1,484 |
| 2023 Toyota Prius Prime | $358 | $630 | $332 | $1,456 |
| 2022 Toyota Prius Prime | $344 | $626 | $338 | $1,444 |
| 2021 Toyota Prius Prime | $332 | $610 | $354 | $1,432 |
| 2020 Toyota Prius Prime | $320 | $586 | $364 | $1,406 |
| 2019 Toyota Prius Prime | $304 | $564 | $376 | $1,380 |
| 2018 Toyota Prius Prime | $292 | $524 | $384 | $1,336 |
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 Cheaper Toyota Prius Prime Insurance
Finding cheaper rates on auto insurance requires being a low-risk driver, having above-average credit, being claim-free, and taking advantage of discounts. Invest time comparing rates every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a condensed summary of the ideas that were covered in the charts and tables above.
- Teen drivers are charged the highest rates, possibly costing $423 each month if full coverage is included
- Drivers with multiple at-fault accidents may pay on average $1,610 more each year to insure their Prius Prime
- Increasing comprehensive and collision deductibles could save up to $575 each year
- It is possible to save as much as $170 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,080 |
| 20 | $3,186 |
| 30 | $1,446 |
| 40 | $1,380 |
| 50 | $1,260 |
| 60 | $1,238 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,764 |
| $250 | $1,586 |
| $500 | $1,380 |
| $1,000 | $1,182 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,380 |
| 50/100 | $1,455 |
| 100/300 | $1,549 |
| 250/500 | $1,794 |
| 100 CSL | $1,493 |
| 300 CSL | $1,700 |
| 500 CSL | $1,850 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,272 |
| 20 | $5,076 |
| 30 | $3,064 |
| 40 | $2,994 |
| 50 | $2,856 |
| 60 | $2,830 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $75 |
| Multi-vehicle | $73 |
| Homeowner | $20 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $66 |
| Advance Quote | $70 |
| Online Quote | $100 |
| Total Discounts | $599 |
Discounts are estimated and may not be available from every company or in every state.
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