Toyota Prius Prime Insurance Rates
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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
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Average insurance rates for a Toyota Prius Prime are $1,298 a year for full coverage insurance. Comprehensive costs around $280, collision costs $494, and liability costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage 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 for individual coverage type:
Includes $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different Prius Prime trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $434 for minimum levels of liability insurance to a much higher rate of $2,808 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can make a big difference on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than congested cities.
The price range example below illustrates how where you live affects auto insurance rates.
These examples illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, 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 Rate Details
The chart below illustrates estimated Toyota Prius Prime insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $742
- Using higher $1,000 deductibles will save about $178 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,298
- Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,638
- High-risk insureds with multiple tickets or accidents could pay at least $2,808 or more
- The cost for full coverage for a 16-year-old driver with full coverage can be $4,818 or more
Car insurance rates for a Toyota Prius Prime can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
An older driver with no driving violations and high deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $4,800 a year. View Rates by Age
Where you live has a huge impact on Toyota Prius Prime insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,750 on average in Michigan, New York, 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% |
Opting for high physical damage deductibles could cut rates by as much as $520 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance can be from 44% to 129% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to figure out your exact price is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.
| 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 the Cheapest Toyota Prius Prime Insurance
Saving money on insurance for a Toyota Prius Prime requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop once a year by requesting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following is a recap of the data that was touched on in the above illustrations.
- It is possible to save up to $160 per year simply by shopping early and online
- Insureds who may need higher liability limits will pay around $430 annually to increase from a minimum limit to 250/500 limits
- Teens are the costliest to insure, costing up to $402 per month if full coverage is included
- Drivers considered higher risk that have major violations or accidents may pay on average $1,510 more every year for Prius Prime insurance
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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