Toyota Prius Prime Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 21, 2024
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Estimated insurance rates for a Toyota Prius Prime are $1,298 a year for full coverage. Comprehensive costs around $280 a year, collision costs $494, and liability costs $388. A policy with only liability insurance costs as little as $434 a year, with a high-risk policy costing around $2,808. Teen drivers pay the most at $4,818 a year or more.
Average premium for full coverage: $1,298
Premium estimates for type of coverage:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Prius Prime trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Toyota Prius Prime go from as low as $434 for the bare minimum liability coverage to a high of $2,808 for high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance rates.
These rate differences show why it is important to compare rates for a specific zip code and risk profile, instead of 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.
Additional Rate Information
The chart below shows estimated Toyota Prius Prime insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $742
- Drivers who choose higher $1,000 deductibles will pay about $1,120 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,298
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,638
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,808 or more
- An auto insurance policy for full coverage for a teen driver can be $4,818 a year
Car insurance prices for a Toyota Prius Prime also have a wide range based on your driving characteristics, the trim level of your Prius Prime, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,800 a year. View Rates by Age
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 $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,850 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,172 | -$126 | -9.7% |
| Alaska | $992 | -$306 | -23.6% |
| Arizona | $1,076 | -$222 | -17.1% |
| Arkansas | $1,298 | -$0 | 0.0% |
| California | $1,478 | $180 | 13.9% |
| Colorado | $1,238 | -$60 | -4.6% |
| Connecticut | $1,332 | $34 | 2.6% |
| Delaware | $1,464 | $166 | 12.8% |
| Florida | $1,618 | $320 | 24.7% |
| Georgia | $1,198 | -$100 | -7.7% |
| Hawaii | $932 | -$366 | -28.2% |
| Idaho | $878 | -$420 | -32.4% |
| Illinois | $964 | -$334 | -25.7% |
| Indiana | $978 | -$320 | -24.7% |
| Iowa | $876 | -$422 | -32.5% |
| Kansas | $1,230 | -$68 | -5.2% |
| Kentucky | $1,768 | $470 | 36.2% |
| Louisiana | $1,918 | $620 | 47.8% |
| Maine | $798 | -$500 | -38.5% |
| Maryland | $1,072 | -$226 | -17.4% |
| Massachusetts | $1,034 | -$264 | -20.3% |
| Michigan | $2,250 | $952 | 73.3% |
| Minnesota | $1,086 | -$212 | -16.3% |
| Mississippi | $1,554 | $256 | 19.7% |
| Missouri | $1,150 | -$148 | -11.4% |
| Montana | $1,392 | $94 | 7.2% |
| Nebraska | $1,020 | -$278 | -21.4% |
| Nevada | $1,554 | $256 | 19.7% |
| New Hampshire | $936 | -$362 | -27.9% |
| New Jersey | $1,448 | $150 | 11.6% |
| New Mexico | $1,146 | -$152 | -11.7% |
| New York | $1,364 | $66 | 5.1% |
| North Carolina | $746 | -$552 | -42.5% |
| North Dakota | $1,062 | -$236 | -18.2% |
| Ohio | $894 | -$404 | -31.1% |
| Oklahoma | $1,330 | $32 | 2.5% |
| Oregon | $1,186 | -$112 | -8.6% |
| Pennsylvania | $1,236 | -$62 | -4.8% |
| Rhode Island | $1,728 | $430 | 33.1% |
| South Carolina | $1,174 | -$124 | -9.6% |
| South Dakota | $1,092 | -$206 | -15.9% |
| Tennessee | $1,134 | -$164 | -12.6% |
| Texas | $1,562 | $264 | 20.3% |
| Utah | $960 | -$338 | -26.0% |
| Vermont | $886 | -$412 | -31.7% |
| Virginia | $776 | -$522 | -40.2% |
| Washington | $998 | -$300 | -23.1% |
| West Virginia | $1,188 | -$110 | -8.5% |
| Wisconsin | $896 | -$402 | -31.0% |
| Wyoming | $1,154 | -$144 | -11.1% |
Choosing high deductibles could save up to $520 every year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 129% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to know your exact price is to get quotes and see which company has the best price. Every company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius Prime | $344 | $626 | $338 | $1,444 |
| 2023 Toyota Prius Prime | $332 | $610 | $354 | $1,432 |
| 2022 Toyota Prius Prime | $320 | $586 | $364 | $1,406 |
| 2021 Toyota Prius Prime | $304 | $564 | $376 | $1,380 |
| 2020 Toyota Prius Prime | $292 | $524 | $384 | $1,336 |
| 2019 Toyota Prius Prime | $280 | $494 | $388 | $1,298 |
| 2018 Toyota Prius Prime | $268 | $442 | $390 | $1,236 |
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 Find the Right Toyota Prius Prime Insurance
Finding better rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The list below is a quick rundown of the material that was presented in the illustrations above.
- Policyholders who may need higher liability limits will pay about $430 each year to go from 30/60 bodily injury limits to 250/500 limits
- Teenagers are the costliest to insure, as much as $402 per month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,510 more every year for car insurance
- Increasing policy deductibles can save around $525 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,818 |
| 20 | $2,984 |
| 30 | $1,352 |
| 40 | $1,298 |
| 50 | $1,184 |
| 60 | $1,164 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,638 |
| $250 | $1,480 |
| $500 | $1,298 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,298 |
| 50/100 | $1,376 |
| 100/300 | $1,473 |
| 250/500 | $1,725 |
| 100 CSL | $1,414 |
| 300 CSL | $1,628 |
| 500 CSL | $1,783 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,884 |
| 20 | $4,754 |
| 30 | $2,868 |
| 40 | $2,808 |
| 50 | $2,676 |
| 60 | $2,652 |
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 | $70 |
| Multi-vehicle | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $60 |
| Advance Quote | $65 |
| Online Quote | $93 |
| Total Discounts | $556 |
Discounts are estimated and may not be available from every company or in every state.
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