Toyota Prius Prime Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 21, 2024

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Estimated insurance prices for a Toyota Prius Prime are $1,380 every 12 months including full coverage. Comprehensive insurance costs approximately $304 a year, collision insurance costs $564, and liability costs $376. A liability-only policy costs as little as $426 a year, and high-risk insurance costs $2,994 or more. 16-year-old drivers pay the most at up to $5,080 a year.

Average premium for full coverage: $1,380

Premium estimates by type of coverage:

Comprehensive $304
Collision $564
Liability $376

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Prius Prime trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Toyota Prius Prime range from the cheapest price of $426 for just liability insurance to a high of $2,994 for a policy for a high-risk driver.

Liability Only $426
Full Coverage $1,380
High Risk $2,994

Insurance Price Range by Location

Your location can have significant affects on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how location impacts auto insurance prices.

Rural Areas $1,035
Small Cities $1,449
Large Cities $1,863

These rate differences highlight why it is important to compare rates using their specific location and their own driving history, instead of using rate 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.

More Rate Details

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

  • The best full coverage rate is $781
  • Drivers who choose higher $1,000 deductibles will pay $1,182 every year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,380
  • Buying low $100 deductibles for comprehensive and collision insurance costs an extra $384 every year
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,994
  • An auto insurance policy to insure a teen driver can cost $5,080 a year

View Chart as Image

Toyota Prius Prime insurance cost comparison chart
Column chart showing Toyota Prius Prime insurance prices range from $781 to $5,080 for full coverage

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

Opting for high physical damage deductibles could save up to $590 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $339 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Toyota Prius Prime insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,970 on average in Louisiana, New York, and Michigan.

Toyota Prius Prime Insurance Rates by State
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%

View Chart as Image

Toyota Prius Prime insurance rates by U.S. city
Toyota Prius Prime Insurance Rates by Model Year
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 Shop for Affordable Toyota Prius Prime Insurance

Finding better rates on car insurance not only requires avoiding accidents and claims, but also having a good credit score, refrain from filing small claims, and possibly higher deductibles. Spend time shopping around every year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief review of the coverage data touched on above.

  • You may be able to save around $170 per year just by quoting early and online
  • Increasing policy deductibles could save as much as $575 each year
  • Drivers under the age of 20 have the highest car insurance prices, with the cost nearing $423 per month if comprehensive and collision insurance is included
  • Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,610 more per year to insure a Toyota Prius Prime

Rates by Driver Age

Toyota Prius Prime Insurance 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

Toyota Prius Prime Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,764
$250 $1,586
$500 $1,380
$1,000 $1,182

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Prime Insurance Rates with Different Liability Limits
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

Toyota Prius Prime Insurance 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.

SR-22 Surcharge $195

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
Rate after discounts $781

Discounts are estimated and may not be available from every company or in every state.

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