Toyota Prius Prime Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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 insurance rates for a Toyota Prius Prime are $1,298 a year including full coverage. Comprehensive insurance costs on average $280 each year, collision insurance costs $494, and liability insurance is $388. Buying just liability costs around $434 a year, and insurance for high-risk drivers costs $2,808 or more. Teens pay the highest rates at up to $4,818 a year.
Average premium for full coverage: $1,298
Price estimates by individual coverage:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Prius Prime models.
Price Range from Low to High
For the normal driver, Toyota Prius Prime insurance prices range from as low as $434 for basic liability insurance to a high rate of $2,808 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects car insurance rates.
The ranges above highlight why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on averaged prices.
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.
Rate Comparisons
The chart below breaks down average Toyota Prius Prime insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $742
- Raising to $1,000 deductibles will save around $178 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,298
- Selecting low deductibles will cost an extra $340 a year
- Higher-risk drivers with serious driving violations could pay upwards of $2,808
- The price for full coverage for a teen driver may cost $4,818
Insurance prices for a Toyota Prius Prime are also quite variable based on your driving record, the model of your Prius Prime, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age
The state you live in also has a big influence on Toyota Prius Prime insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,850 on average in Michigan, New York, and Louisiana.
| 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 higher comprehensive and collision insurance deductibles can reduce prices by up to $520 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 129% more than the average policy. View High Risk Driver Rates
| 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 More Affordable Toyota Prius Prime Insurance
Getting lower rates on Toyota Prius Prime insurance consists of avoiding accidents and claims, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest the time to compare rates every time your policy renews by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a summary of the information presented in the illustrations above.
- You may be able to save as much as $160 per year just by quoting online in advance
- Drivers under the age of 20 pay higher prices, possibly costing $402 a month including comprehensive and collision insurance
- Increasing physical damage deductibles can save around $525 each year
- High-risk drivers who have multiple accidents or major violations may pay on average $1,510 more each year to insure a Toyota Prius Prime
- Drivers who require increased liability limits will pay approximately $430 per year to raise from a low limit to 250/500 limits
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
