Toyota Prius Prime Insurance Rates

U.S. average insurance prices for a Toyota Prius Prime are $1,336 every 12 months for full coverage. Comprehensive costs an estimated $292 each year, collision insurance costs $524, and liability coverage costs $384. Liability-only coverage costs as little as $432 a year, and high-risk coverage costs around $2,892. Teen drivers pay the highest rates at up to $4,936 a year.

Average premium for full coverage: $1,336

Price estimates broken down by individual coverage:

Includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Prius Prime models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. More rural locations have more infrequent accident claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.

The ranges above show why all drivers should compare rates for a targeted area and their own driving history, rather than using price averages.

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

Additional Rate Analysis

The chart below shows average Toyota Prius Prime insurance rates for other coverage scenarios.

• The lowest rate with discounts is $762
• Drivers who choose higher $1,000 deductibles will pay approximately $186 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,336
• Choosing low deductibles for comprehensive and collision insurance increases the price to $1,696
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,892
• The price to insure a teenage driver can cost as much as $4,936 a year

View Chart as Image

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

Choosing high deductibles could save up to $550 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost around 45% to 134% more than average. 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 $880 a year in states like Iowa, Maine, and Idaho, or as much as $1,900 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for the Cheapest Toyota Prius Prime Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a recap of the car insurance concepts covered in the above illustrations.

• Drivers that have major violations or accidents pay on average $1,560 more annually than a safer driver
• Drivers can save approximately $160 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $550 each year
• Consumers who want an increased level of liability coverage will pay about $420 each year to go from a low limit to a 250/500 level