Toyota Prius Prime Insurance Rates

U.S. average insurance rates for a Toyota Prius Prime are $1,298 a year with full coverage. Comprehensive costs approximately $280 each year, collision insurance costs $494, and liability costs $388. A policy with just liability insurance costs as little as $434 a year, and coverage for high-risk drivers costs around $2,808. Teenage drivers pay the highest rates at up to $4,818 a year.

Average premium for full coverage: $1,298

Price estimates by individual coverage:

Prices include $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Prius Prime models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.

The ranges above demonstrate why all drivers should compare rates using their specific location, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below details average Toyota Prius Prime insurance rates for additional coverage and risk scenarios.

• The best discount rate is $742
• Drivers who choose higher $1,000 deductibles will pay $178 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,298
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,638
• Higher-risk drivers who are prone to accidents and violations could pay around $2,808
• The price that insures a teen driver can cost $4,818 a year

View Chart as Image

Insurance prices for a Toyota Prius Prime are also quite variable based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,800 a year. View Rates by Age

The state you live in makes a big difference in Toyota Prius Prime insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $520 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

How to Find the Right Toyota Prius Prime Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every couple of years by getting quotes from direct companies, and also from local insurance agencies.

Below is a quick rundown of the material that was touched on in this article.

• Policyholders who purchase higher levels of liability will pay an extra $430 every year to go from a low limit to the 250/500 level
• Teenage drivers are expensive to insure, costing up to $402 a month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,510 more per year for auto insurance
• Increasing physical damage deductibles can save approximately $525 each year