Toyota Prius Prime Insurance Rates

The average auto insurance rates for a Toyota Prius Prime are $1,298 annually for full coverage. Comprehensive insurance costs on average $280 each year, collision insurance costs $494, and liability costs $388. Liability-only coverage costs as little as $434 a year, and high-risk coverage costs $2,808 or more. Teens cost the most to insure at up to $4,818 a year.

Average premium for full coverage: $1,298

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Prius Prime models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on car insurance rates.

The examples above show why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $742
• Drivers who choose higher $1,000 deductibles will pay around $178 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,298
• Selecting low deductibles for comprehensive and collision insurance costs an additional $340 every year
• Higher-risk drivers with serious driving violations could pay upwards of $2,808
• Policy cost with full coverage for a teen driver may cost $4,818 a year

View Chart as Image

Insurance rates for a Toyota Prius Prime also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $520 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Toyota Prius Prime insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Best Toyota Prius Prime Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Make time to compare rates every time your policy renews by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a brief recap of the information touched on in this article.

• Drivers can save as much as $160 per year just by quoting online in advance
• Teenagers pay higher rates, costing up to $402 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Higher risk drivers who tend to receive serious violations may be required to pay an average of $1,510 more each year for car insurance
• Policyholders who require higher liability limits will pay approximately $430 each year to go from a 30/60 limit to higher 250/500 limits