Toyota Prius Prime Insurance Rates
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Michelle Robbins
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UPDATED: May 21, 2024
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The average insurance rates for a Toyota Prius Prime are $1,298 a year for full coverage. Comprehensive insurance costs around $280 each year, collision costs $494, and liability insurance costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing $2,808 or more. Teen drivers cost the most to insure at $4,818 a year or more.
Average premium for full coverage: $1,298
Policy rates for type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Prius Prime models.
Price Range Variability
Using a 40-year-old driver as an example, Toyota Prius Prime insurance rates go from the low end price of $434 for just liability coverage to a high rate of $2,808 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance rates.
The examples above show why all drivers should compare rates for a specific zip code, rather than relying on price 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.
Detailed Rate Analysis
The chart below shows estimated Toyota Prius Prime insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $742
- Drivers who choose higher $1,000 deductibles will pay about $178 a year
- The estimated price for a good driver age 40 using $500 deductibles is $1,298
- Choosing low deductibles for comprehensive and collision insurance will cost an additional $340 a year
- High risk drivers with multiple violations and an at-fault accident could pay at least $2,808 or more
- Policy cost that insures a teen driver can be $4,818 a year
Insurance rates for a Toyota Prius Prime also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 129% more than average. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age
Your home state 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 as much as $1,850 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could save up to $520 each year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, and rates will be varied.
| 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 Best Toyota Prius Prime Insurance
Finding cheaper rates on Toyota Prius Prime insurance not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around every couple of years by requesting rates from direct carriers, and also from several local insurance agents.
The list below is a brief recap of the material that was raised in the charts and tables above.
- Drivers who may need higher liability limits will pay about $430 each year to go from a 30/60 limit to the 250/500 level
- Teenagers are charged the highest rates, costing up to $402 each month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations pay on average $1,510 more every year for car insurance
- Increasing comprehensive and collision deductibles can save approximately $525 each year
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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