Toyota Prius Prime Insurance Rates

U.S. average insurance prices for a Toyota Prius Prime are $1,298 every 12 months for full coverage. Comprehensive costs on average $280 a year, collision insurance costs $494, and liability insurance costs $388. Liability-only coverage costs as little as $434 a year, and high-risk coverage 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 are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Prius Prime trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

The ranges above show why it is important to compare rates based on a specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Details

The chart below shows average Toyota Prius Prime insurance rates for different risk profiles and scenarios.

• The best discount rate is $742
• Drivers who choose higher $1,000 deductibles will pay around $1,120 a year
• The average price for the average middle-age driver with $500 deductibles is $1,298
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,638
• High risk drivers who are prone to accidents and violations could pay upwards of $2,808
• The price to insure a teen driver may cost $4,818 a year

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Auto insurance prices for a Toyota Prius Prime are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Prius Prime.

Using high physical damage deductibles could save up to $520 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Toyota Prius Prime insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,850 on average in Michigan, Louisiana, and New York.

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How to Shop for Affordable Toyota Prius Prime Insurance

Getting lower rates on Toyota Prius Prime insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates every year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a brief review of the coverage data presented in the illustrations above.

• Drivers can save as much as $160 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $525 each year
• Youthful drivers are charged the highest prices, with premiums as much as $402 a month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions pay an average of $1,510 more each year than a low-risk driver