Toyota Prius Prime Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $292
Collision $524
Liability $384

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.

Liability Only $432
Full Coverage $1,336
High Risk $2,892

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.

Rural Areas $1,002
Small Cities $1,403
Large Cities $1,804

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

View Chart as Image

Toyota Prius Prime insurance cost comparison chart
Column chart showing full coverage Toyota Prius Prime insurance rates range from $762 to $4,936

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.

Toyota Prius Prime Insurance Rates by State
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%

View Chart as Image

Toyota Prius Prime insurance rates by U.S. city

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.

Toyota Prius Prime Insurance Rates by Model Year
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

Rates by Driver Age

Toyota Prius Prime Insurance 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

Toyota Prius Prime Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,696
$250 $1,528
$500 $1,336
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Toyota Prius Prime Insurance Rates with Different Liability Limits
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

Toyota Prius Prime Insurance 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.

SR-22 Surcharge $188

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
Rate after discounts $762

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles