Toyota Prius Prime Insurance Rates
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Michelle Robbins
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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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Average auto insurance rates for a Toyota Prius Prime are $1,298 annually with full coverage. Comprehensive costs approximately $280, collision costs $494, and liability is estimated at $388. A policy with just liability insurance costs approximately $434 a year, with coverage for high-risk drivers costing around $2,808. 16-year-old drivers receive the highest rates at $4,818 a year or more.
Average premium for full coverage: $1,298
Rate estimates by individual coverage type:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Prius Prime trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $434 for liability-only coverage to a much higher rate of $2,808 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have fewer collision claims than congested cities.
The price range example below illustrates how location impacts auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location 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.
Additional Charts and Tables
The chart below details estimated Toyota Prius Prime insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $742
- Choosing higher $1,000 deductibles can save $178 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,298
- Buying more expensive low deductibles for comp and collision coverage will cost $1,638
- Higher-risk drivers with multiple tickets or accidents could pay around $2,808 or more
- The cost with full coverage for a 16-year-old driver with full coverage can cost $4,818 each year
Insurance rates for a Toyota Prius Prime can also vary considerably based on the trim level of your Prius Prime, your driving record, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance 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, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit
Where you live 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 Utah, Ohio, and New Hampshire, or at least $1,750 on average in New York, Michigan, and Florida.
| 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% |
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and rates can be significantly different between companies.
| 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 Cheapest Toyota Prius Prime Insurance
Saving money on insurance for a Toyota Prius Prime takes being a good driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around at every other renewal by requesting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following list is a recap of the concepts that were touched on above.
- Drivers considered higher risk that have major violations or accidents may pay on average $1,510 more per year than a safer driver
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $402 per month if they have full coverage
- You may be able to save around $160 per year simply by shopping early and online
- Increasing deductibles could save up to $525 each year
- You may be able to save around $160 per year simply by shopping early and online
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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