Toyota Prius Prime Insurance Rates

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

By clicking, you agree to our Terms of Use

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...

Insurance Lawyer

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...

Licensed Insurance Agent

UPDATED: May 21, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average auto insurance rates for a Toyota Prius Prime are $1,298 annually with full coverage. Comprehensive insurance costs around $280 each year, collision costs $494, and liability is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage costing $2,808 or more. 16-year-old drivers pay the highest rates at $4,818 a year or more.

Average premium for full coverage: $1,298

Price estimates for individual coverage:

Comprehensive $280
Collision $494
Liability $388

Rates are based on $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Prius Prime models.

Price Range from Low to High

For a driver in their 40's, Toyota Prius Prime insurance prices go from as cheap as $434 for a discount liability-only rate to a high rate of $2,808 for a high-risk insurance policy.

Liability Only $434
Full Coverage $1,298
High Risk $2,808

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than congested cities.

The graphic below illustrates how location helps determine auto insurance rates.

Rural Areas $974
Small Cities $1,363
Large Cities $1,752

The ranges above demonstrate why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on 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.

By clicking, you agree to our Terms of Use

Rates by State, City, and Model

The chart below details estimated Toyota Prius Prime insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $742
  • Choosing higher $1,000 deductibles can save about $178 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,298
  • Buying low deductibles for comp and collision coverage costs an additional $340 annually
  • Higher-risk drivers with multiple tickets or accidents could pay at least $2,808 or more
  • The price with full coverage for a 16-year-old driver can be $4,818 each year

View Chart as Image

Toyota Prius Prime insurance cost comparison chart
Column chart showing full coverage Toyota Prius Prime insurance prices range from $742 to $4,818

Auto insurance prices for a Toyota Prius Prime are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $520 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Toyota Prius Prime insurance prices. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,750 on average in Florida, Michigan, and New York.

Toyota Prius Prime Insurance Rates by State
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%

View Chart as Image

Toyota Prius Prime insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different between companies.

Toyota Prius Prime Insurance Rates by Model Year
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 Buy the Best Cheap Toyota Prius Prime Insurance

Getting lower rates on insurance for a Toyota Prius Prime takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a quick review of the car insurance concepts covered in the charts and tables above.

  • Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,510 more every year for Prius Prime insurance
  • You may be able to save up to $160 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save up to $525 each year
  • Insureds who may need higher liability limits will pay around $430 every year to raise limits from a low limit to higher 250/500 limits

Rates by Driver Age

Toyota Prius Prime Insurance 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

Toyota Prius Prime Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,638
$250 $1,480
$500 $1,298
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Prime Insurance Rates with Different Liability Limits
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

Toyota Prius Prime Insurance 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.

SR-22 Surcharge $182

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
Rate after discounts $742

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

Compare Rates and Save

Find companies with the cheapest rates in your area

By clicking, you agree to our Terms of Use

Free Auto Insurance Comparison

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

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles