Toyota Prius Prime Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 21, 2024

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Average insurance rates for a Toyota Prius Prime are $1,380 a year for full coverage insurance. Comprehensive insurance costs approximately $304 a year, collision insurance costs $564, and liability is $376. Buying just liability costs around $426 a year, and insurance for high-risk drivers costs $2,994 or more. 16-year-old drivers receive the highest rates at up to $5,080 a year.

Average premium for full coverage: $1,380

Rate estimates by individual coverage type:

Comprehensive $304
Collision $564
Liability $376

Full coverage includes $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Prius Prime trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as low as $426 for just liability insurance to a high of $2,994 for coverage for higher-risk drivers.

Liability Only $426
Full Coverage $1,380
High Risk $2,994

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how where you live affects auto insurance prices.

Rural Areas $1,035
Small Cities $1,449
Large Cities $1,863

These examples illustrate why it is important to compare rates quotes using their specific location 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.

More Rate Details

The chart below illustrates average Toyota Prius Prime insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $781
  • Raising to $1,000 deductibles will save $1,182 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,380
  • Buying low $100 deductibles will cost an extra $384 annually
  • Drivers with multiple tickets or accidents could pay around $2,994
  • The cost for full coverage for a 16-year-old driver can cost $5,080

View Chart as Image

Toyota Prius Prime insurance cost comparison chart
Column chart showing Toyota Prius Prime insurance prices range from $781 to $5,080 for full coverage

Auto insurance rates for a Toyota Prius Prime can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age

Where you live also has a big influence on Toyota Prius Prime insurance prices. A middle-age driver might find rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,860 on average in Florida, New York, and Michigan.

Toyota Prius Prime Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,246 -$134 -9.7%
Alaska $1,056 -$324 -23.5%
Arizona $1,144 -$236 -17.1%
Arkansas $1,380 -$0 0.0%
California $1,572 $192 13.9%
Colorado $1,318 -$62 -4.5%
Connecticut $1,416 $36 2.6%
Delaware $1,560 $180 13.0%
Florida $1,724 $344 24.9%
Georgia $1,276 -$104 -7.5%
Hawaii $992 -$388 -28.1%
Idaho $934 -$446 -32.3%
Illinois $1,026 -$354 -25.7%
Indiana $1,040 -$340 -24.6%
Iowa $930 -$450 -32.6%
Kansas $1,310 -$70 -5.1%
Kentucky $1,880 $500 36.2%
Louisiana $2,042 $662 48.0%
Maine $852 -$528 -38.3%
Maryland $1,138 -$242 -17.5%
Massachusetts $1,100 -$280 -20.3%
Michigan $2,394 $1,014 73.5%
Minnesota $1,154 -$226 -16.4%
Mississippi $1,652 $272 19.7%
Missouri $1,226 -$154 -11.2%
Montana $1,480 $100 7.2%
Nebraska $1,086 -$294 -21.3%
Nevada $1,654 $274 19.9%
New Hampshire $994 -$386 -28.0%
New Jersey $1,542 $162 11.7%
New Mexico $1,220 -$160 -11.6%
New York $1,452 $72 5.2%
North Carolina $794 -$586 -42.5%
North Dakota $1,130 -$250 -18.1%
Ohio $952 -$428 -31.0%
Oklahoma $1,416 $36 2.6%
Oregon $1,264 -$116 -8.4%
Pennsylvania $1,314 -$66 -4.8%
Rhode Island $1,840 $460 33.3%
South Carolina $1,250 -$130 -9.4%
South Dakota $1,164 -$216 -15.7%
Tennessee $1,208 -$172 -12.5%
Texas $1,662 $282 20.4%
Utah $1,020 -$360 -26.1%
Vermont $942 -$438 -31.7%
Virginia $826 -$554 -40.1%
Washington $1,064 -$316 -22.9%
West Virginia $1,264 -$116 -8.4%
Wisconsin $952 -$428 -31.0%
Wyoming $1,226 -$154 -11.2%

View Chart as Image

Toyota Prius Prime insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $590 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $339 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 129% more than the average rate. View High Risk Driver Rates

Toyota Prius Prime Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Prius Prime $376 $656 $316 $1,484
2023 Toyota Prius Prime $358 $630 $332 $1,456
2022 Toyota Prius Prime $344 $626 $338 $1,444
2021 Toyota Prius Prime $332 $610 $354 $1,432
2020 Toyota Prius Prime $320 $586 $364 $1,406
2019 Toyota Prius Prime $304 $564 $376 $1,380
2018 Toyota Prius Prime $292 $524 $384 $1,336

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 More Affordable Toyota Prius Prime Insurance

Saving money on insurance for a Toyota Prius Prime consists of being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop at least once a year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below is a summary of the primary concepts that were touched on in the above illustrations.

  • It is possible to save around $170 per year just by quoting early and online
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,610 more per year for auto insurance
  • Increasing deductibles can save around $575 each year
  • Teenage drivers have the highest car insurance rates, costing up to $423 per month if they have full coverage

Rates by Driver Age

Toyota Prius Prime Insurance Rates by Driver Age
Driver Age Premium
16 $5,080
20 $3,186
30 $1,446
40 $1,380
50 $1,260
60 $1,238

Full coverage, $500 deductibles

Rates by Deductible

Toyota Prius Prime Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,764
$250 $1,586
$500 $1,380
$1,000 $1,182

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Prime Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,380
50/100 $1,455
100/300 $1,549
250/500 $1,794
100 CSL $1,493
300 CSL $1,700
500 CSL $1,850

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Prius Prime Insurance Rates for High Risk Drivers
Age Premium
16 $7,272
20 $5,076
30 $3,064
40 $2,994
50 $2,856
60 $2,830

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.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $73
Homeowner $20
5-yr Accident Free $105
5-yr Claim Free $90
Paid in Full/EFT $66
Advance Quote $70
Online Quote $100
Total Discounts $599
Rate after discounts $781

Discounts are estimated and may not be available from every company or in every state.

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