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2004 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 2004 Toyota Prius are $856 a year for full coverage insurance. Comprehensive costs around $152 a year, collision insurance costs $178, and liability insurance costs around $390. Buying a liability-only policy costs as low as $438 a year, and high-risk insurance costs around $1,828. Teenage drivers receive the highest rates at up to $3,408 a year.

Annual premium for full coverage: $856

Rate estimates for 2004 Toyota Prius Insurance

Comprehensive $152
Collision $178
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2004 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 the average driver, prices range range from as low as $438 for just liability insurance to a high of $1,828 for a driver that may need high-risk insurance.

Liability Only $438
Full Coverage $856
High Risk $1,828

View Chart as Image

2004 Toyota Prius insurance rates compared
Column chart showing 2004 Toyota Prius insurance prices range from $523 to $3,408 for full coverage

These differences illustrate why it is important for drivers to compare prices for a specific zip code and risk profile, rather than relying 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 2004 Toyota Prius Insurance

Searching Companies

Have you fallen victim to an overpriced insurance coverage policy? Trust us, you’re not the only one.

Consumers have many insurers to insure vehicles with, and even though it’s nice to have a selection, lots of choices makes it harder to locate the cheapest rates.

You need to price shop coverage occasionally because prices are usually higher with each renewal. Even if you think you had the best price for Prius insurance a year ago the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because we’re going to demonstrate how to quote online to buy cheaper insurance coverage.

This article will tell you how to get online quotes. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. Although vehicle owners do need to know how big insurance companies price insurance differently and use this information to your advantage.

Discounts mean cheaper Toyota Prius insurance rates

The price of auto insurance can be rather high, but there could be available discounts to help bring down the price. Certain discounts will be applied when you complete an application, but a few need to be specifically requested before you get the savings.

  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Club Memberships – Belonging to a qualifying organization could qualify you for a break on your policy for Prius insurance.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Life Insurance Discount – Some companies give a discount if you purchase life insurance from them.
  • New Vehicle Savings – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Accident Waiver – A handful of insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.

Consumers should know that some credits don’t apply the whole policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will bring down your premiums.

To see a list of providers with discount car insurance rates, click here.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help highlight whether your personal situation could use an agent’s help.

  • Why does it cost so much to insure a teen driver?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When can I cancel my policy?
  • Am I missing any policy discounts?
  • How much liability do I need to cover my assets?
  • Am I covered when driving a rental car?
  • When should I drop full coverage on my 2004 Toyota Prius?
  • Is my dog or cat covered if injured in an accident?
  • Will my rates increase for filing one claim?
  • What is PIP insurance?

Free Auto Insurance Comparison

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

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If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Drivers who switch save $394 a year? Really?

Companies like State Farm and Allstate constantly bombard you with ads on television and other media. All the ads say the same thing that you’ll save big if you switch to them. How do they all make the same claim? This is how they do it.

All companies have a certain “appetite” for the right customer that earns them a profit. A good example of a driver they prefer could possibly be over the age of 50, has no driving citations, and has great credit. A propective insured that hits that “sweet spot” will get the preferred rates and therefore will save when they switch companies.

Drivers who don’t meet the requirements must pay a higher premium which leads to business going elsewhere. The ads state “people who switch” but not “drivers who get quotes” save money. That’s the way companies can truthfully make the claims of big savings.

This illustrates why you should quote coverage with many companies. It’s impossible to know which company will fit your personal profile best.

Car insurance 101

Knowing the specifics of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Toyota Prius.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, hail damage, vandalism and fire damage. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills for doctor visits, funeral costs, dental work and EMT expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Liability car insurance

This can cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, structural damage, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your Prius caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Shop around and save

We just covered many ways to reduce 2004 Toyota Prius insurance prices online. It’s most important to understand that the more you quote, the better your comparison will be. You may even find the lowest rates come from a small local company. They often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

The cheapest insurance is definitely available on the web and with local insurance agents, so you should compare both to have the best selection. Some companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

Additional information is available on the following sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2004 Toyota Prius Insurance Rates by City
City Premium
New York City, NY $1,350
Los Angeles, CA $1,464
Philadelphia, PA $1,140
Jacksonville, FL $1,239
Phoenix, AZ $994
Chicago, IL $1,148
Houston, TX $1,342
Seattle, WA $832
Columbus, OH $711
Indianapolis, IN $728

Rates by Driver Age

2004 Toyota Prius Insurance Rates by Driver Age
Driver Age Premium
16 $3,408
20 $1,940
30 $872
40 $856
50 $786
60 $770

Full coverage, $500 deductibles

Rates by Deductible

2004 Toyota Prius Insurance Rates with Different Deductibles
Deductible Premium
$100 $996
$250 $934
$500 $856
$1,000 $780

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $856
50/100 $934
100/300 $1,032
250/500 $1,285
100 CSL $973
300 CSL $1,188
500 CSL $1,344

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Toyota Prius Insurance Rates for High Risk Drivers
Age Premium
16 $4,800
20 $3,086
30 $1,848
40 $1,828
50 $1,746
60 $1,728

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 $112

Potential Rate Discounts

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

Discount Savings
Multi-policy $43
Multi-vehicle $45
Homeowner $15
5-yr Accident Free $51
5-yr Claim Free $53
Paid in Full/EFT $31
Advance Quote $37
Online Quote $58
Total Discounts $333
Rate after discounts $523

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

Find companies with the cheapest rates in your area

2004 Toyota Prius Insurance Rates by State
State Premium
Alabama $774
Alaska $656
Arizona $710
Arkansas $856
California $976
Colorado $818
Connecticut $878
Delaware $966
Florida $1,068
Georgia $792
Hawaii $616
Idaho $580
Illinois $638
Indiana $644
Iowa $576
Kansas $812
Kentucky $1,168
Louisiana $1,266
Maine $530
Maryland $706
Massachusetts $682
Michigan $1,484
Minnesota $718
Mississippi $1,024
Missouri $760
Montana $918
Nebraska $674
Nevada $1,024
New Hampshire $618
New Jersey $956
New Mexico $754
New York $900
North Carolina $494
North Dakota $702
Ohio $588
Oklahoma $878
Oregon $784
Pennsylvania $814
Rhode Island $1,140
South Carolina $776
South Dakota $722
Tennessee $750
Texas $1,032
Utah $634
Vermont $586
Virginia $512
Washington $660
West Virginia $784
Wisconsin $590
Wyoming $762

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