Toyota Prius Prime Insurance Rates

Estimated insurance rates for a Toyota Prius Prime are $1,298 a year with full coverage. Comprehensive costs an estimated $280 each year, collision insurance costs $494, and liability coverage costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs around $2,808. Teens pay the most at up to $4,818 a year.

Average premium for full coverage: $1,298

Premium estimates broken down by type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Prius Prime models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects insurance prices.

These rate differences demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $742
• Using higher $1,000 deductibles will save approximately $178 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,298
• Selecting low deductibles for physical damage coverage will increase the cost to $1,638
• Higher-risk drivers with serious driving violations could pay up to $2,808
• An auto insurance policy for full coverage for a teenage driver can cost as much as $4,818 or more

View Chart as Image

Insurance prices for a Toyota Prius Prime also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $4,800 a year. View Rates by Age

Where you choose to live has a huge impact on Toyota Prius Prime insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $520 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can be around 44% to 129% more than the average policy. View High Risk Driver Rates

How to Find the Best Cheap Toyota Prius Prime Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around at every policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a quick review of the data raised in the charts and tables above.

• Consumers who want higher levels of liability will pay approximately $430 every year to increase from 30/60 bodily injury limits to 250/500 limits
• You may be able to save approximately $160 per year just by quoting online in advance
• Increasing policy deductibles can save around $525 each year
• Teenage drivers are charged the highest prices, possibly costing $402 per month for full coverage