Toyota Prius Prime Insurance Rates
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UPDATED: May 21, 2024
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Estimated auto insurance rates for a Toyota Prius Prime are $1,336 annually for full coverage insurance. Comprehensive costs approximately $292 a year, collision costs $524, and liability costs $384. Liability-only coverage costs as little as $432 a year, with high-risk coverage costing around $2,892. Teenage drivers pay the most at $4,936 a year or more.
Average premium for full coverage: $1,336
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Prius Prime trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota Prius Prime go from as cheap as $432 for liability-only coverage to a high of $2,892 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.
The diagram below illustrates how your location can change auto insurance prices.
These rate differences illustrate why it is important to compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.
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.
Additional Charts and Tables
The chart below illustrates estimated Toyota Prius Prime insurance rates for additional coverage and risk scenarios.
- The best discount rate is $762
- Drivers who choose higher $1,000 deductibles will pay $1,150 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,336
- Using low $100 deductibles for comprehensive and collision insurance will cost $1,696
- Drivers who are prone to accidents and violations could pay around $2,892 or more
- An auto insurance policy with full coverage for a 16-year-old driver can cost $4,936 a year
Insurance prices for a Toyota Prius Prime also have a wide range based on the model of your Prius Prime, your risk profile, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can cost from 45% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $550 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Toyota Prius Prime insurance prices. A 40-year-old driver could pay as low as $870 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,800 on average in Florida, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,206 | -$130 | -9.7% |
Alaska | $1,024 | -$312 | -23.4% |
Arizona | $1,106 | -$230 | -17.2% |
Arkansas | $1,336 | -$0 | 0.0% |
California | $1,522 | $186 | 13.9% |
Colorado | $1,272 | -$64 | -4.8% |
Connecticut | $1,370 | $34 | 2.5% |
Delaware | $1,508 | $172 | 12.9% |
Florida | $1,666 | $330 | 24.7% |
Georgia | $1,234 | -$102 | -7.6% |
Hawaii | $960 | -$376 | -28.1% |
Idaho | $904 | -$432 | -32.3% |
Illinois | $994 | -$342 | -25.6% |
Indiana | $1,008 | -$328 | -24.6% |
Iowa | $902 | -$434 | -32.5% |
Kansas | $1,268 | -$68 | -5.1% |
Kentucky | $1,820 | $484 | 36.2% |
Louisiana | $1,976 | $640 | 47.9% |
Maine | $824 | -$512 | -38.3% |
Maryland | $1,100 | -$236 | -17.7% |
Massachusetts | $1,064 | -$272 | -20.4% |
Michigan | $2,316 | $980 | 73.4% |
Minnesota | $1,118 | -$218 | -16.3% |
Mississippi | $1,600 | $264 | 19.8% |
Missouri | $1,184 | -$152 | -11.4% |
Montana | $1,434 | $98 | 7.3% |
Nebraska | $1,050 | -$286 | -21.4% |
Nevada | $1,600 | $264 | 19.8% |
New Hampshire | $962 | -$374 | -28.0% |
New Jersey | $1,492 | $156 | 11.7% |
New Mexico | $1,180 | -$156 | -11.7% |
New York | $1,406 | $70 | 5.2% |
North Carolina | $768 | -$568 | -42.5% |
North Dakota | $1,092 | -$244 | -18.3% |
Ohio | $920 | -$416 | -31.1% |
Oklahoma | $1,370 | $34 | 2.5% |
Oregon | $1,224 | -$112 | -8.4% |
Pennsylvania | $1,272 | -$64 | -4.8% |
Rhode Island | $1,780 | $444 | 33.2% |
South Carolina | $1,210 | -$126 | -9.4% |
South Dakota | $1,126 | -$210 | -15.7% |
Tennessee | $1,168 | -$168 | -12.6% |
Texas | $1,610 | $274 | 20.5% |
Utah | $988 | -$348 | -26.0% |
Vermont | $912 | -$424 | -31.7% |
Virginia | $798 | -$538 | -40.3% |
Washington | $1,030 | -$306 | -22.9% |
West Virginia | $1,224 | -$112 | -8.4% |
Wisconsin | $922 | -$414 | -31.0% |
Wyoming | $1,188 | -$148 | -11.1% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes from multiple companies. Every company uses a different method to calculate prices, so the prices will be substantially different between companies.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Toyota Prius Prime | $358 | $630 | $332 | $1,456 |
2023 Toyota Prius Prime | $344 | $626 | $338 | $1,444 |
2022 Toyota Prius Prime | $332 | $610 | $354 | $1,432 |
2021 Toyota Prius Prime | $320 | $586 | $364 | $1,406 |
2020 Toyota Prius Prime | $304 | $564 | $376 | $1,380 |
2019 Toyota Prius Prime | $292 | $524 | $384 | $1,336 |
2018 Toyota Prius Prime | $280 | $494 | $388 | $1,298 |
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 Buy Affordable Toyota Prius Prime Insurance
Finding better rates on insurance for a Toyota Prius Prime not only requires avoiding accidents and claims, but also having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around every year by requesting rates from direct insurance companies, and also from insurance agencies where you live.
The points below are a brief review of the coverage data illustrated above.
- It is possible to save around $160 per year simply by quoting early and online
- Increasing policy deductibles could save up to $550 each year
- Drivers under the age of 20 are expensive to insure, with premiums being up to $411 per month including comprehensive and collision insurance
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,560 more per year to insure a Toyota Prius Prime
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,936 |
20 | $3,076 |
30 | $1,394 |
40 | $1,336 |
50 | $1,220 |
60 | $1,198 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,696 |
$250 | $1,528 |
$500 | $1,336 |
$1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,336 |
50/100 | $1,413 |
100/300 | $1,509 |
250/500 | $1,758 |
100 CSL | $1,451 |
300 CSL | $1,662 |
500 CSL | $1,816 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,064 |
20 | $4,900 |
30 | $2,958 |
40 | $2,892 |
50 | $2,758 |
60 | $2,732 |
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 | $72 |
Multi-vehicle | $70 |
Homeowner | $20 |
5-yr Accident Free | $100 |
5-yr Claim Free | $87 |
Paid in Full/EFT | $62 |
Advance Quote | $67 |
Online Quote | $96 |
Total Discounts | $574 |
Discounts are estimated and may not be available from every company or in every state.
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