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2002 Toyota Prius Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 29, 2021

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Average insurance rates for a 2002 Toyota Prius are $814 a year including full coverage. Comprehensive costs approximately $138 each year, collision costs $160, and liability costs around $380. Buying a liability-only policy costs as low as $428 a year, with high-risk insurance costing around $1,738. Teenage drivers receive the highest rates at $3,268 a year or more.

Annual premium for full coverage: $814

Rate estimates for 2002 Toyota Prius Insurance

Comprehensive $138
Collision $160
Liability $380

Rate data is compiled from all 50 U.S. states and averaged for all 2002 Toyota Prius models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $428 for just liability coverage to a high rate of $1,738 for a high risk driver.

Liability Only $428
Full Coverage $814
High Risk $1,738

View Chart as Image

2002 Toyota Prius insurance rates compared
Column chart showing 2002 Toyota Prius insurance prices range from $501 to $3,268 for full coverage

These differences highlight why all drivers should compare prices using their specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2002 Toyota Prius Insurance

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Drivers have many options when trying to find the lowest priced Toyota Prius insurance. They can either spend hours contacting agents getting price quotes or utilize the internet to make rate comparisons. There is a right way and a wrong way to buy auto insurance and you need to know the quickest way to price shop coverage for a new or used Toyota and obtain the lowest price.

You should take the time to compare rates yearly since rates fluctuate regularly. If you had the lowest rates for Prius coverage two years ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the right way to eliminate unnecessary coverages and save money.

The quickest method we recommend to compare car insurance rates utilizes the fact most insurance companies pay for the opportunity to compare rate quotes. All you need to do is provide a small amount of information including types of safety features, if a SR-22 is needed, an estimate of your credit level, and level of coverage desired. That information is then sent to multiple top-rated companies and you receive quotes very quickly.

How to reduce 2002 Toyota Prius insurance rates

Companies that sell car insurance don’t list all available discounts very clearly, so we took the time to find some of the more common and also the lesser-known insurance savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company qualifies for this discount.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for Prius coverage than less cautious drivers.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Sign Online – Certain companies give back up to $50 simply for signing on their website.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.

Consumers should know that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.

For a list of insurers with discount insurance rates, click this link.

Free Auto Insurance Comparison

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Tailor your coverage to you

When it comes to buying coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might point out whether you might need professional guidance.

  • Do I need replacement cost coverage on my 2002 Toyota Prius?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need higher collision deductibles?
  • Is upholstery damage covered by car insurance?
  • When should I drop full coverage on my 2002 Toyota Prius?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Toyota Prius premiums are determined by many factors

An important part of buying insurance is that you know the different types of things that come into play when calculating auto insurance rates. Knowing what influences your rates allows you to make educated decisions that may reward you with big savings.

The list below includes a partial list of the pieces companies use to determine rates.

  • Are you male or female? – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Men and women are in accidents at about the same rate, but men have costlier accidents. Men also receive more costly citations like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
  • Being married is a good thing – Having a wife or husband can actually save you money when buying auto insurance. Having a significant other translates into being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Younger drivers pay higher rates – More mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations. Teenage drivers have a tendency to be more careless when driving and because of this, their auto insurance rates are much higher.
  • A lapse in coverage is a bad thing – Allowing your coverage to lapse is a fast way to bump up your auto insurance costs. Not only will you pay more, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.
  • Save money with special equipment – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Don’t sacrifice liability coverage – Liability coverage will protect you when a jury decides you are liable for personal injury or accident damage. Liability provides for a legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Lower miles equals lower premium – The more you drive in a year’s time the higher your rates will be. Almost all companies rate vehicles based on their usage. Vehicles not used for work or commuting get more affordable rates than vehicles that are driven to work every day. If your policy improperly rates your Prius may be wasting your money. Ask your agent if your auto insurance policy is rated on the correct driver usage.
  • High deductibles save money – The deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be running into the backend of another car, vandalism, or theft. The more money you’re willing to pay, the less your auto insurance will be for Prius coverage.

Car insurance 101

Learning about specific coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision protection

Collision coverage pays for damage to your Prius caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a ditch, hitting a parking meter, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Toyota Prius.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability coverage

This protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as pain and suffering, funeral expenses, medical expenses and structural damage. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, hitting a deer, damage from a tornado or hurricane, a broken windshield and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses like funeral costs, dental work and hospital visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Online plus local equals savings

When shopping online for auto insurance, it’s not a good idea to reduce coverage to reduce premium. In many instances, drivers have reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Budget-conscious 2002 Toyota Prius insurance is possible on the web in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

You just read some good ideas how you can lower your insurance rates. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from an unexpected company.

Additional detailed information is located by following these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2002 Toyota Prius Insurance Rates by City
City Premium
New York City, NY $1,284
Los Angeles, CA $1,389
Philadelphia, PA $1,084
Jacksonville, FL $1,176
Phoenix, AZ $946
Chicago, IL $1,091
Houston, TX $1,277
Seattle, WA $791
Columbus, OH $675
Indianapolis, IN $694

Rates by Driver Age

2002 Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $3,268
20 $1,846
30 $824
40 $814
50 $748
60 $732

Full coverage, $500 deductibles

Rates by Deductible

2002 Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $942
$250 $884
$500 $814
$1,000 $746

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $814
50/100 $890
100/300 $985
250/500 $1,232
100 CSL $928
300 CSL $1,137
500 CSL $1,289

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $4,594
20 $2,938
30 $1,752
40 $1,738
50 $1,660
60 $1,644

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 $106

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $41
Multi-vehicle $43
Homeowner $14
5-yr Accident Free $48
5-yr Claim Free $50
Paid in Full/EFT $28
Advance Quote $35
Online Quote $54
Total Discounts $313
Rate after discounts $501

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

Find companies with the cheapest rates in your area

2002 Toyota Prius Insurance Rates by State
State Premium
Alabama $736
Alaska $626
Arizona $676
Arkansas $814
California $926
Colorado $774
Connecticut $834
Delaware $920
Florida $1,014
Georgia $750
Hawaii $584
Idaho $550
Illinois $606
Indiana $614
Iowa $546
Kansas $770
Kentucky $1,110
Louisiana $1,204
Maine $502
Maryland $672
Massachusetts $648
Michigan $1,412
Minnesota $680
Mississippi $972
Missouri $722
Montana $872
Nebraska $640
Nevada $974
New Hampshire $586
New Jersey $910
New Mexico $718
New York $856
North Carolina $466
North Dakota $666
Ohio $558
Oklahoma $832
Oregon $746
Pennsylvania $774
Rhode Island $1,082
South Carolina $738
South Dakota $686
Tennessee $710
Texas $982
Utah $602
Vermont $556
Virginia $486
Washington $628
West Virginia $746
Wisconsin $560
Wyoming $724

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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