Toyota Prius Prime Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 21, 2024
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The average insurance rates for a Toyota Prius Prime are $1,336 a year with full coverage. Comprehensive insurance costs approximately $292, collision insurance costs $524, and liability insurance is estimated at $384. Buying just liability costs approximately $432 a year, and insurance for high-risk drivers costs $2,892 or more. Teens cost the most to insure at up to $4,936 a year.
Average premium for full coverage: $1,336
Policy rates by type of insurance:
Includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Prius Prime models.
Price Range Variability
For a driver in their 40's, Toyota Prius Prime insurance rates range from as low as $432 for minimum levels of liability insurance to the much higher price of $2,892 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance prices.
The examples above demonstrate why everyone should get quotes using their 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.
Additional Rate Details
The chart below details average Toyota Prius Prime insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $762
- Choosing higher $1,000 deductibles can save $186 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,336
- Selecting pricier low deductibles for comp and collision coverage will cost an extra $360 a year
- High-risk insureds with serious driving violations could pay around $2,892
- Policy cost for full coverage for a teen driver for full coverage can cost $4,936 each year
Insurance rates for a Toyota Prius Prime also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age
Your home state plays a big part in determining prices for Toyota Prius Prime insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,800 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,206 | -$130 | -9.7% |
| Alaska | $1,024 | -$312 | -23.4% |
| Arizona | $1,106 | -$230 | -17.2% |
| Arkansas | $1,336 | -$0 | 0.0% |
| California | $1,522 | $186 | 13.9% |
| Colorado | $1,272 | -$64 | -4.8% |
| Connecticut | $1,370 | $34 | 2.5% |
| Delaware | $1,508 | $172 | 12.9% |
| Florida | $1,666 | $330 | 24.7% |
| Georgia | $1,234 | -$102 | -7.6% |
| Hawaii | $960 | -$376 | -28.1% |
| Idaho | $904 | -$432 | -32.3% |
| Illinois | $994 | -$342 | -25.6% |
| Indiana | $1,008 | -$328 | -24.6% |
| Iowa | $902 | -$434 | -32.5% |
| Kansas | $1,268 | -$68 | -5.1% |
| Kentucky | $1,820 | $484 | 36.2% |
| Louisiana | $1,976 | $640 | 47.9% |
| Maine | $824 | -$512 | -38.3% |
| Maryland | $1,100 | -$236 | -17.7% |
| Massachusetts | $1,064 | -$272 | -20.4% |
| Michigan | $2,316 | $980 | 73.4% |
| Minnesota | $1,118 | -$218 | -16.3% |
| Mississippi | $1,600 | $264 | 19.8% |
| Missouri | $1,184 | -$152 | -11.4% |
| Montana | $1,434 | $98 | 7.3% |
| Nebraska | $1,050 | -$286 | -21.4% |
| Nevada | $1,600 | $264 | 19.8% |
| New Hampshire | $962 | -$374 | -28.0% |
| New Jersey | $1,492 | $156 | 11.7% |
| New Mexico | $1,180 | -$156 | -11.7% |
| New York | $1,406 | $70 | 5.2% |
| North Carolina | $768 | -$568 | -42.5% |
| North Dakota | $1,092 | -$244 | -18.3% |
| Ohio | $920 | -$416 | -31.1% |
| Oklahoma | $1,370 | $34 | 2.5% |
| Oregon | $1,224 | -$112 | -8.4% |
| Pennsylvania | $1,272 | -$64 | -4.8% |
| Rhode Island | $1,780 | $444 | 33.2% |
| South Carolina | $1,210 | -$126 | -9.4% |
| South Dakota | $1,126 | -$210 | -15.7% |
| Tennessee | $1,168 | -$168 | -12.6% |
| Texas | $1,610 | $274 | 20.5% |
| Utah | $988 | -$348 | -26.0% |
| Vermont | $912 | -$424 | -31.7% |
| Virginia | $798 | -$538 | -40.3% |
| Washington | $1,030 | -$306 | -22.9% |
| West Virginia | $1,224 | -$112 | -8.4% |
| Wisconsin | $922 | -$414 | -31.0% |
| Wyoming | $1,188 | -$148 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $550 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $345 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 extra every year, depending on your age. Toyota Prius Prime insurance for high-risk drivers ranges anywhere from 45% to 134% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota Prius Prime | $358 | $630 | $332 | $1,456 |
| 2023 Toyota Prius Prime | $344 | $626 | $338 | $1,444 |
| 2022 Toyota Prius Prime | $332 | $610 | $354 | $1,432 |
| 2021 Toyota Prius Prime | $320 | $586 | $364 | $1,406 |
| 2020 Toyota Prius Prime | $304 | $564 | $376 | $1,380 |
| 2019 Toyota Prius Prime | $292 | $524 | $384 | $1,336 |
| 2018 Toyota Prius Prime | $280 | $494 | $388 | $1,298 |
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 Cheapest Toyota Prius Prime Insurance
Finding cheaper rates on Toyota Prius Prime insurance takes being a good driver, maintaining good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a recap of the primary concepts that were covered in the charts and tables above.
- You may be able to save around $160 per year just by quoting online well ahead of the renewal date
- High-risk drivers that have major violations or accidents pay on average $1,560 more per year than a safer driver
- Increasing comprehensive and collision deductibles can save around $550 each year
- Drivers age 16 to 20 are expensive to insure, as much as $411 each month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,936 |
| 20 | $3,076 |
| 30 | $1,394 |
| 40 | $1,336 |
| 50 | $1,220 |
| 60 | $1,198 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,696 |
| $250 | $1,528 |
| $500 | $1,336 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,336 |
| 50/100 | $1,413 |
| 100/300 | $1,509 |
| 250/500 | $1,758 |
| 100 CSL | $1,451 |
| 300 CSL | $1,662 |
| 500 CSL | $1,816 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,064 |
| 20 | $4,900 |
| 30 | $2,958 |
| 40 | $2,892 |
| 50 | $2,758 |
| 60 | $2,732 |
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 | $72 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $62 |
| Advance Quote | $67 |
| Online Quote | $96 |
| Total Discounts | $574 |
Discounts are estimated and may not be available from every company or in every state.
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